| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINNATI, OH 45283 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $76K | — | $76K | 7.27% |
| STEALTH PARTNER GROUP LLC Filed as: STEALTH PARTNER GROUP | 18940 N PIMA ROAD STE 210 SCOTTSDALE, AZ 85255 | COMPANION LIFE INS CO. | — | $70K | $70K | 7.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SVCS INC | PO BOX 632886 CINCINNATI, OH 45263 | RELIASTAR LIFE INSURANCE COMPANY | $74K | — | $74K | 10.00% |
| BENE RE LLC3 | 5217 MONROE ST STE B TOLEDO, OH 43623 | RELIASTAR LIFE INSURANCE COMPANY | — | $59K | $59K | 8.00% |
| ADP INC3 Filed as: ADP, LLC | 2835 DECKER LAKE DR SALT LAKE CITY, UT 84119 | RELIASTAR LIFE INSURANCE COMPANY | — | $18K | $18K | 2.48% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 24610 DETROIT AVE SUITE 150 WESTLAKE, OH 44145 | NATIONAL UNION FIRE INSURANCE CO. OF PITTSBURGH PA | $2K | — | $2K | 15.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SVCS | PO BOX 632886 CINCINNATI, OH 45263 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | — | $0 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AMERIBEN / IEC GROUP EIN 82-0497661 BENEFIT ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $561K |
| CVS HEALTH EIN 05-0340626 PRESCRIPTION ADMIN | Claims processing; Contract Administrator Service code 12 | — | $231K |
| COMMUNITY INSURANCE COMPANY EIN 31-1440175 BENEFIT ADMINISTRATOR | Claims processing; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Other services Service code 12 | — | $118K |
| DELTA DENTAL OF OHIO EIN 31-0685339 BENEFIT ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $79K |
| LINCOLN NATIONAL LIFE INSURANCE CO EIN 35-0472300 BENEFIT ADMINISTRATOR | Insurance services Service code 23 | — | $33K |
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 | 2,630 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 23 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,653 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(4 contracts, 2 carriers) | EYEMED VISION CARE | 2,985 | $265K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,155 | $1.0M |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,026 | $0 |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,155 | $521K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE INS CO. | 2,630 | $999K |
| Other | NATIONAL UNION FIRE INSURANCE CO. OF PITTSBURGH PA | 2,155 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,007 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.