| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | STARMOUNT LIFE INSURANCE COMPANY | $235K | $53K | $288K | 12.61% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 WEST 7TH STREET SUITE 1100 KANSAS CITY, MO 64112 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $99K | $20K | $118K | 12.47% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $82K | $16K | $99K | 12.03% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $70K | $14K | $84K | 12.15% |
| HODGES-MACE BENEFITS GRP INC3 Filed as: HODGES-MACE BENEFITS GROUP INC | 5775 E GLENRIDGGE DRIVE SUITE 500 ATLANTA, GA 30328 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $69K | $9K | $78K | 12.48% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 W 47TH STREET SUITE 1100 KANSAS CITY, MO 64112 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $39K | $1K | $40K | 6.38% |
| THE ORIETATION COMPANY, INC.3 | 5 COWBOYS WAY SUITE 1 FRISCO, TX 75034 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $33K | — | $33K | 5.31% |
| HODGES-MACE BENEFITS GRP INC3 Filed as: HODGES-MACE BENEFITS GROUP INC | 3350 RIVERWOOD PARKWAY SUITE 80 ATLANTA, GA 30339 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $45K | $5K | $50K | 17.57% |
| THE ORIETATION COMPANY, INC.3 | 5 COWBOYS WAY SUITE 1 FRISCO, TX 75034 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $28K | — | $28K | 9.94% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 W. 47TH ST. STE 1100 KANSAS CITY, MO 64112 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $22K | $803 | $23K | 8.09% |
| GREG HODGES4 | P.O. BOX 95381 CHICAGO, IL 60694 | LEGALSHIELD | $15K | — | $15K | 17.00% |
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 | 4,953 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 19 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,972 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 2,935 | $2.3M |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 2,935 | $2.3M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,953 | $949K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,686 | $695K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,286 | $823K |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,953 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,953 | — |
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.