| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINNATI, OH 45263 | UNITEDHEALTHCARE INSURANCE COMPANY | $74K | — | $74K | 4.98% |
| COTERIE ADVISORY GROUP3 | 7878 N 16TH ST, STE 180 PHOENIX, AZ 85020 | GLOBE LIFE AND ACCIDENT INSURANCE COMPANY | $13K | $31K | $45K | 8.18% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ EMPLOYEE BENEFITS | 700 W 47TH ST, STE 100 KANSAS CITY, MO 64112 | GLOBE LIFE AND ACCIDENT INSURANCE COMPANY | $27K | $3K | $30K | 5.52% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINNATI, OH 45263 | AMERITAS LIFE INSURANCE CORP | $15K | $932 | $16K | 10.63% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 W 47TH ST, STE 100 KANSAS CITY, MO 64112 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $673 | $3K | 18.87% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 1133 WESTCHESTER AVE SUITE S229 WHITE PLAINS, NY 10604 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $650 | $650 | 3.74% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 W 47TH ST, STE 100 KANSAS CITY, MO 64112 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $475 | $2K | 12.81% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 1133 WESTCHESTER AVE SUITE S229 WHITE PLAINS, NY 10604 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $635 | $635 | 3.76% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 100 MERIDIAN CENTRE BLVD SUITE 100 ROCHESTER, NY 14618 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 12.78% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INSURANCE SVCS. | PO BOX 632886 CINCINNATI, OH 45263 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 10.67% |
| FLEXVISION3 | 15400 CALHOUN DRIVE SUITE 125 ROCKVILLE, MD 20855 | FIDELITY SECURITY LIFE INSURANCE COMPANY | — | $696 | $696 | 5.97% |
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 | 290 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 290 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 219 | $1.5M |
| Dental | AMERITAS LIFE INSURANCE CORP | 666 | $148K |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 213 | $25K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 177 | $34K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 219 | $1.5M |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 177 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 666 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.