| 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 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $505 | $16K | 13.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS SERVICES INC | PO BOX 632886 CINCINNATI, OH 45263 | GUARDIAN LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS SERVICES INC. | PO BOX 632886 CINCINNATI, OH 45263 | AMERITAS LIFE INSURANCE CORP. | $1K | $260 | $2K | 6.02% |
| DEBORAH NELSON3 Filed as: DEBORAH YOUNG | 318 N CARSON ST SUITE 104 CARSON CITY, NV 89701 | CONTINENTAL AMERICAN INSURANCE COMPANY | $298 | — | $298 | 1.67% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS INS SERVICES INC | PO BOX 632886 CINCINNATI, OH 45263 | CONTINENTAL AMERICAN INSURANCE COMPANY | $294 | — | $294 | 1.65% |
| ANGELA SCHIEK3 Filed as: ANGELA MEDINA | 9437 DOUBLE DIAMOND PKWY SUITE 17 RENO, NV 89521 | CONTINENTAL AMERICAN INSURANCE COMPANY | $268 | — | $268 | 1.50% |
| DEBORAH NELSON3 | 625 FAIRVIEW ST STE 121 104 CARSON CITY, NV 89701 | CONTINENTAL AMERICAN INSURANCE COMPANY | $203 | — | $203 | 1.14% |
| AMY M EDMONDS3 Filed as: AMY EDMONDS | PO BOX 6597 FOLSOM, CA 95763 | CONTINENTAL AMERICAN INSURANCE COMPANY | $73 | — | $73 | 0.41% |
| LISA A PERRI3 Filed as: LISA HUTCHERSON | 193 BLUE RAVINE RD SUITE 140 FOLSOM, CA 95630 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17 | — | $17 | 0.10% |
| ROBERT PILKENTON3 | 1100 CORPORATE WAY SUITE 100 SACRAMENTO, CA 95831 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17 | — | $17 | 0.10% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AMERITAS LIFE INSURANCE CORP EIN 47-0098400 CLAIMS PROCESSOR | Claims processing Service code 12 | — | $19K |
| CBIZ BENEFITS AND INS SERVICES INC EIN 31-1582098 BROKER | Insurance agents and brokers Service code 22 | — | $7K |
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 | 385 | 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) | 385 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | AMERITAS LIFE INSURANCE CORP. | 437 | $25K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 636 | $125K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 87 | $18K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY | 73 | $26K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 636 | $125K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 636 | — |
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.