| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES C ZELLER3 | 7278 CAHABA VALLEY RD APT 921B BIRMINGHAM, AL 352426491 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $0 | $3K | 1.39% |
| LANZA & ASSOCIATES LLC3 | 2100 RIVER HAVEN LN STE 230 HOOVER, AL 352441266 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $0 | $3K | 1.39% |
| TATIANA NEUMAN, LLC3 | 300 CAHABA PARK CIR STE 133 BIRMINGHAM, AL 352425043 | UNITEDHEALTHCARE INSURANCE COMPANY | $776 | $0 | $776 | 0.31% |
| LANZA & ASSOCIATES LLC3 Filed as: LANZA AND ASSOCIATES LLC | 2100 RIVER HAVEN DR STE 230 HOOVER, AL 35244 | STARMOUNT LIFE INSURANCE COMPANY | $1K | $0 | $1K | 4.81% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INS SERVICES I | PO BOX 6382886 CINCINNATI, OH 45263 | STARMOUNT LIFE INSURANCE COMPANY | $668 | $0 | $668 | 3.01% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SERV | 700 W 47TH ST STE 1100 KANSAS CITY, MO 64112 | STARMOUNT LIFE INSURANCE COMPANY | $0 | $334 | $334 | 1.51% |
| LANZA & ASSOCIATES LLC3 Filed as: LANZA AND ASSOCIATES LLC | 2100 RIVER HAVEN DR STE 230 HOOVER, AL 35244 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 13.92% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INS SERVICES I | PO BOX 6382886 CINCINNATI, OH 45263 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $625 | $0 | $625 | 5.95% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SERV | 700 W 47TH ST STE 1100 KANSAS CITY, MO 64112 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $184 | $184 | 1.75% |
| LANZA & ASSOCIATES LLC3 Filed as: LANZA AND ASSOCIATES LLC | 2100 RIVER HAVEN DR STE 230 HOOVER, AL 35244 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 14.07% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INS SERVICES I | PO BOX 632886 CINCINNATI, OH 45263 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $480 | $0 | $480 | 5.87% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SERV | 700 W 47TH ST STE 1100 KANSAS CITY, MO 64112 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $141 | $141 | 1.72% |
| LANZA & ASSOCIATES LLC3 Filed as: LANZA AND ASSOCIATES LLC | 2100 RIVER HAVEN DR STE 230 HOOVER, AL 35244 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $899 | $0 | $899 | 13.89% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INS SERVICES I | PO BOX 632886 CINCINNATI, OH 45263 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $403 | $0 | $403 | 6.23% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SERV | 700 W 47TH ST STE 1100 KANSAS CITY, MO 64112 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $119 | $119 | 1.84% |
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 | 246 | 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) | 246 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 72 | $249K |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 54 | $22K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 54 | $22K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 243 | $6K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 35 | $11K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 35 | $11K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 243 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 243 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.