| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS SERVICES INC | PO BOX 632886 CINCINNATI, OH 452632886 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | — | $11K | 15.00% |
| DEBORAH NELSON3 Filed as: DEBORAH C. YOUNG | 318 N CARSON STREET 104 CARSON CITY, NV 89701 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 10.72% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS SERVICES INC | PO BOX 632886 CINCINNATI, OH 45263 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 8.75% |
| ANGELA SCHIEK3 Filed as: ANGELA MEDINA | 9437 DOUBLE DIAMOND PARKWAY SUITE 17 RENO, NV 89521 | CONTINENTAL AMERICAN INSURANCE COMPANY | $810 | — | $810 | 2.59% |
| AMY M EDMONDS3 | PO BOX 6597 FOLSOM, CA 95763 | CONTINENTAL AMERICAN INSURANCE COMPANY | $283 | — | $283 | 0.91% |
| ROBERT PILKENTON3 | 1100 CORPORATE WAY SUITE 100 SACRAMENTO, CA 95831 | CONTINENTAL AMERICAN INSURANCE COMPANY | $56 | — | $56 | 0.18% |
| LISA M HUTCHERSON3 | 193 BLUE RAVINE ROAD SUITE 140 FOLSOM, CA 95630 | CONTINENTAL AMERICAN INSURANCE COMPANY | $55 | — | $55 | 0.18% |
| JEFFREY HENNINGSEN3 Filed as: JEFFREY BARBERIO | 700 W 47TH STREET SUITE 1100 KANSAS CITY, MO 64112 | SPECTERA | $2K | — | $2K | 10.01% |
| ROGERS BENEFIT GROUP INC3 Filed as: RANDALL ROGERS | 5006 LYNDALE AVENUE SOUTH MINNEAPOLIS, MN 55419 | SPECTERA | $2K | — | $2K | 8.28% |
| CALIFORNIA BENEFIT PLANS INC3 | 1850 NORTH CENTRAL AVENUE SUITE 2000 PHOENIX, AZ 85004 | SPECTERA | $1K | — | $1K | 4.97% |
| GARY WHITE3 | 26 PLACER DRIVE DAHLONEGA, GA 30533 | SPECTERA | $218 | — | $218 | 0.99% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS SERVICES INC | PO BOX 632886 CINCINNATI, OH 452632886 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS SERVICES INC | 700 W 47TH ST STE 1100 KANSAS CITY, MO 641121922 | AMERITAS LIFE INSURANCE CORP | $6K | $95 | $6K | 35.15% |
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 | 325 | 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) | 325 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP | 228 | $17K |
| Vision | SPECTERA | 177 | $22K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 325 | $90K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 80 | $31K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 325 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 325 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.