| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 WEST 47TH STREET, STE. 1100 KANSAS CITY, MO 64112 | ROCKY MOUNTAIN HOSPITAL & MEDICAL SERVICE, INC. | $116K | $4K | $120K | 5.28% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 3625 CUMBERLAND BLVD., SE SUITE 800 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | $922 | $9K | 16.67% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 3625 CUMBERLAND BLVD., SE SUITE 800 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $257 | $4K | 16.18% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 3625 CUMBERLAND BLVD., SE SUITE 800 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $262 | $3K | 16.36% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 3625 CUMBERLAND BLVD., SE SUITE 800 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $298 | $3K | 16.71% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 WEST 47TH STREET, STE. 1100 KANSAS CITY, MO 64112 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 19.94% |
| THE ORIENTATION COMPANY, INC.3 Filed as: THE ORIENTATION CO INC | 5 COWBOYS WAY SUITE 300-1 DALLAS, TX 75034 | COMBINED INSURANCE | $6K | — | $6K | 72.01% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 3625 CUMBERLAND BLVD., SE SUITE 800 ATLANTA, GA 30339 | COMBINED INSURANCE | $2K | — | $2K | 18.01% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 WEST 47TH STREET, STE. 1100 KANSAS CITY, MO 64112 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 29.60% |
| THE ORIENTATION COMPANY, INC.3 Filed as: THE ORIENTATION CO INC | 5 COWBOYS WAY SUITE 300-1 DALLAS, TX 75034 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $17 | — | $17 | 0.24% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 WEST 47TH STREET, STE. 1100 KANSAS CITY, MO 64112 | PRE-PAID LEGAL INC DBA LEGALSHIELD | $953 | — | $953 | 17.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 WEST 47TH STREET, STE. 1100 KANSAS CITY, MO 64112 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $706 | — | $706 | 18.72% |
| THE ORIENTATION COMPANY, INC.3 Filed as: THE ORIENTATION CO INC | 5 COWBOYS WAY SUITE 300-1 DALLAS, TX 75034 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $123 | — | $123 | 3.26% |
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 | 425 | 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) | 432 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ROCKY MOUNTAIN HOSPITAL & MEDICAL SERVICE, INC. | 304 | $2.3M |
| Dental | ROCKY MOUNTAIN HOSPITAL & MEDICAL SERVICE, INC. | 304 | $2.3M |
| Vision | ROCKY MOUNTAIN HOSPITAL & MEDICAL SERVICE, INC. | 304 | $2.3M |
| Life insurance(3 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 425 | $86K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 24 | $19K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 38 | $17K |
| Other(7 contracts, 5 carriers) | ROCKY MOUNTAIN HOSPITAL & MEDICAL SERVICE, INC. | 425 | $2.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 425 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.