| 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 | $291 | $16K | 16.60% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS SERVICES INC | PO BOX 632886 CINCINNATI, OH 45263 | GUARDIAN LIFE INSURANCE COMPANY | $4K | $401 | $5K | 16.42% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS SERVICES INC. | PO BOX 632886 CINCINNATI, OH 45263 | AMERITAS LIFE INSURANCE CORP. | $1K | $176 | $1K | 5.77% |
| ANGELA SCHIEK3 Filed as: ANGELA MEDINA | 9437 DOUBLE DIAMOND PKWY STE 17 RENO, NV 89521 | CONTINENTAL AMERICAN INSURANCE COMPANY | $238 | — | $238 | 1.80% |
| DEBORAH NELSON3 Filed as: DEBORAH C YOUNG | 318 N CARSON STREET 104 CARSON CITY, NV 89701 | CONTINENTAL AMERICAN INSURANCE COMPANY | $217 | — | $217 | 1.64% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINNATI, OH 45263 | CONTINENTAL AMERICAN INSURANCE COMPANY | $149 | — | $149 | 1.13% |
| DEBORAH NELSON3 | 625 FAIRVIEW DR STE 121 CARSON CITY, NV 89701 | CONTINENTAL AMERICAN INSURANCE COMPANY | $104 | — | $104 | 0.79% |
| AMY M EDMONDS3 | PO BOX 6597 FOLSOM, CA 95763 | CONTINENTAL AMERICAN INSURANCE COMPANY | $39 | — | $39 | 0.29% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINNATI, OH 45263 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14 | — | $14 | 0.11% |
| LISA M HUTCHERSON3 | 193 BLUE RAVINE RD STE 140 FOLSOM, CA 95630 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | — | $9 | 0.07% |
| ROBERT PILKENTON3 | 1100 CORPORATE WAY STE 100 SACRAMENTO, CA 95831 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | — | $9 | 0.07% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AMERITAS LIFE INSURANCE CORP EIN 47-0098400 CLAIMS PROCESSOR | Claims processing Service code 12 | — | $16K |
| CBIZ BENEFITS AND INS SERVICES INC EIN 31-1582098 BROKER | Insurance agents and brokers Service code 22 | — | $6K |
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 | 363 | 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) | 363 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | AMERITAS LIFE INSURANCE CORP. | 422 | $23K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 582 | $99K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 87 | $13K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY | 65 | $28K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 582 | $99K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 582 | — |
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.