| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINNATI, OH 45263 | SUN LIFE ASSURANCE COMPANY OF CANADA | $63K | — | $63K | 7.81% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 W. 47TH STREET SUITE 100 KANSAS CITY, MO 64112 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $14K | $14K | 1.69% |
| ADP INC3 | PO BOX 830272 PHILADELPHIA, PA 19182 | STANDARD INSURANCE COMPANY | — | $20K | $20K | 2.98% |
| BRIAN W PATTEN3 | 120 PEPPERGRASS RD SUITE 101 BADEN, PA 15005 | AETNA LIFE INSURANCE COMPANY | $32K | — | $32K | 10.11% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINNATI, OH 45263 | AETNA LIFE INSURANCE COMPANY | $32K | — | $32K | 10.11% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFIT & INSURANCE SERVICES | 700 W. 47TH STREET SUITE 1100 KANSAS CITY, MO 64112 | STANDARD INSURANCE COMPANY | $44K | — | $44K | 15.00% |
| ADP INC3 | PO BOX 830272 PHILADELPHIA, PA 19182 | STANDARD INSURANCE COMPANY | — | $9K | $9K | 3.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 2290 LUCIEN WAY SUITE 205 MAITLAND, FL 32751 | STANDARD INSURANCE COMPANY | — | $7K | $7K | 2.44% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINNATI, OH 45263 | HARTFORD LIFE AND ACCIDENT | — | $924 | $924 | 0.35% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 3 CITYPLACE DR SUITE 900 SAINT LOUIS, MO 63141 | HARTFORD LIFE AND ACCIDENT | — | $826 | $826 | 0.31% |
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 | 1,263 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,271 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,223 | $808K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,223 | $808K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 2,699 | $268K |
| Short-term disability | STANDARD INSURANCE COMPANY | 861 | $675K |
| Long-term disability | STANDARD INSURANCE COMPANY | 590 | $292K |
| Other(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 2,699 | $880K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,699 | — |
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.