| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | UNITEDHEALTHCARE INSURANCE COMPANY | $273 | $40K | $40K | 5.30% |
| DALLAS INSURANCE EXCHANGE II INC3 Filed as: DALLAS INSURANCE EXCHANGE II INC. | 15660 DALLAS PARKWAY, SUITE 500 DALLAS, TX 75248 | UNITEDHEALTHCARE INSURANCE COMPANY | $11K | — | $11K | 1.45% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $390 | $2K | 9.58% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 WEST 47TH STREET, SUITE 1100 KANSAS CITY, MO 64112 | UNION SECURITY INSURANCE COMPANY | $1K | — | $1K | 8.06% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 W. 47TH STREET, SUITE 100 KANSAS CITY, MO 64112 | ZURICH AMERICAN INSURANCE COMPANY | $392 | — | $392 | 15.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 WEST 47TH STREET, SUITE 1100 KANSAS CITY, MO 64112 | UNITED DENTAL CARE OF TEXAS, INC. | $189 | — | $189 | 15.02% |
| SIDWELL & ASSOCIATES INSURANCE3 | 1814 JUSTIN ROAD HIGHLAND VILLAGE, TX 75077 | GERBER LIFE INSURANCE COMPANY | $161 | — | $161 | 14.98% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 WEST 47TH STREET, SUITE 1100 KANSAS CITY, MO 64112 | UNITED DENTAL CARE OF MISSOURI, INC. | $218 | — | $218 | 419.23% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 136 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 220 | $760K |
| Dental(3 contracts, 3 carriers) | UNION SECURITY INSURANCE COMPANY | 54 | $14K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 220 | $760K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 239 | $23K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 239 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 239 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.