| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | UNITEDHEALTHCARE INSURANCE COMPANY | $155K | $14K | $169K | 4.96% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 160 W SANTA CLARA STREET, SUITE 450 SAN JOSE, CA 95113 | KAISER FOUNDATION HEALTH PLAN INC | $92K | $1 | $92K | 4.29% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | UNITEDHEALTHCARE INSURANCE COMPANY | $15K | — | $15K | 5.06% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 160 W SANTA CLARA STREET, SUITE 450 SAN JOSE, CA 95113 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 15.52% |
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 | 327 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 334 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 628 | $5.6M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 628 | $3.4M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 628 | $3.4M |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 327 | $302K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 327 | $302K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 327 | $302K |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 327 | $349K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 628 | — |
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.