| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINNATI, OH 45283 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $69K | $31K | $101K | 9.71% |
| STEALTH PARTNER GROUP LLC Filed as: STEALTH PARTNER GROUP | 18940 N PIMA ROAD STE 210 SCOTTSDALE, AZ 85255 | COMPANION LIFE INS CO. | — | $67K | $67K | 7.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SVCS INC | PO BOX 632886 CINCINNATI, OH 45263 | RELIASTAR LIFE INSURANCE COMPANY | $86K | — | $86K | 13.93% |
| BENE RE LLC3 | 5217 MONROE ST STE B TOLEDO, OH 43623 | RELIASTAR LIFE INSURANCE COMPANY | — | $49K | $49K | 8.00% |
| ADP INC3 Filed as: ADP, LLC | 2835 DECKER LAKE DR SALT LAKE CITY, UT 84119 | RELIASTAR LIFE INSURANCE COMPANY | — | $12K | $12K | 1.89% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SVCS | PO BOX 632886 CINCINNATI, OH 45263 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 0.34% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 24610 DETROIT AVE SUITE 150 WESTLAKE, OH 44145 | NATIONAL UNION FIRE INSURANCE CO. OF PITTSBURGH PA | $2K | — | $2K | 20.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SVCS | PO BOX 632886 CINCINNATI, OH 45263 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $24 | $24 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALLEGIANCE BENEFIT PLAN MGMT, INC. EIN 81-0400550 BENEFIT ADMINISTRATOR | Float revenue; Contract Administrator; Claims processing Service code 12 | — | $539K |
| CVS HEALTH EIN 05-0340626 PRESCRIPTION ADMIN | Contract Administrator; Claims processing Service code 12 | — | $155K |
| DELTA DENTAL OF OHIO EIN 31-0685339 BENEFIT ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $77K |
| ALLEGIANCE COBRA SERVICES, INC. EIN 71-0916514 BENEFIT ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $33K |
| LINCOLN NATIONAL LIFE INSURANCE CO EIN 35-0472300 BENEFIT ADMINISTRATOR | Insurance services Service code 23 | — | $12K |
| ALLEGIANCE CARE MANAGEMENT, INC. EIN 03-0507057 BENEFIT ADMINISTRATOR | Contract Administrator Service code 13 | — | $733 |
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 | 2,173 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 27 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,200 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(4 contracts, 2 carriers) | EYEMED VISION CARE | 3,419 | $288K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,090 | $1.0M |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,928 | $0 |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,090 | $502K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE INS CO. | 2,173 | $951K |
| Other | NATIONAL UNION FIRE INSURANCE CO. OF PITTSBURGH PA | 2,090 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,419 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.