| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANCORA INSURANCE SOLUTIONS, LLC3 | 31011 VIKING PKWY STE 1 WESTLAKE, OH 44145 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $122K | — | $122K | 6.50% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 4200 ROCKSIDE RD STE 103 COLUMBUS, OH 44131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $38K | $38K | 2.00% |
| ANCORA INSURANCE SOLUTIONS, LLC3 | 31011 VIKING PKWY STE 1 WESTLAKE, OH 44145 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $255K | — | $255K | 14.00% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 4200 ROCKSIDE RD STE 103 COLUMBUS, OH 44131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $36K | $36K | 2.00% |
| BENEFIT EDUCATORS LLC3 Filed as: BENEFIT EDUCATORS, LLC | 2516 WAUKEGAN RD. STE 357 GLENVIEW, IL 60025 | MADISON NATIONAL LIFE | $175K | — | $175K | 18.49% |
| ANCORA INSURANCE SOLUTIONS, LLC3 | 1 HOLLOW LN. STE 201 NEW HYDE PARK, NY 11042 | MADISON NATIONAL LIFE | $100K | — | $100K | 10.61% |
| GWH CONSULTING, LLC3 | 5012 BLACKJACK DR. FRANKLIN, TN 37067 | MADISON NATIONAL LIFE | $35K | — | $35K | 3.71% |
| BAFFIN BAY MARKETING GROUP, LLC3 | PO BOX 161690 AUSTIN, TX 78716 | MADISON NATIONAL LIFE | $21K | — | $21K | 2.23% |
| NEXTGEN BENEFIT ADVISOR, LLC3 Filed as: NEXTGEN BENEFIT ADVISORS, LLC | 710 S 6TH ST. PHILADELPHIA, PA 19147 | MADISON NATIONAL LIFE | $4K | — | $4K | 0.37% |
| ANCORA INSURANCE SOLUTIONS, LLC3 | 31011 VIKING PKWY STE 1 WESTLAKE, OH 44145 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $118K | — | $118K | 15.00% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 4200 ROCKSIDE RD STE 103 COLUMBUS, OH 44131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $16K | $16K | 2.00% |
| ANCORA INSURANCE SOLUTIONS, LLC3 | 31011 VIKING PKWY STE 1 WESTLAKE, OH 44145 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $117K | — | $117K | 15.00% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 4200 ROCKSIDE RD STE 103 COLUMBUS, OH 44131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $16K | $16K | 2.00% |
| BENEFIT EDUCATORS LLC3 Filed as: BENEFIT EDUCATORS, LLC | 2516 WAUKEGAN RD GLENVIEW, IL 60025 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $104K | — | $104K | 17.42% |
| ANCORA INSURANCE SOLUTIONS, LLC3 | 31011 VIKING PKWY STE 1 WESTLAKE, OH 44145 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $70K | — | $70K | 11.61% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | VISION SERVICE PLAN | $6K | — | $6K | 1.33% |
| ANCORA INSURANCE SOLUTIONS, LLC3 | 31011 VIKING PKWY STE 1 WESTLAKE, OH 44145 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $28K | — | $28K | 6.50% |
| BENEFIT EDUCATORS LLC3 Filed as: BENEFIT EDUCATORS, LLC | 2516 WAUKEGAN RD GLENVIEW, IL 60025 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $65K | — | $65K | 16.73% |
| ANCORA INSURANCE SOLUTIONS, LLC3 | 31011 VIKING PKWY STE 1 WESTLAKE, OH 44145 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $43K | — | $43K | 11.15% |
| BENEFIT EDUCATORS LLC3 Filed as: BENEFIT EDUCATORS, LLC | 2516 WAUKEGAN RD GLENVIEW, IL 60025 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $48K | — | $48K | 14.89% |
| ANCORA INSURANCE SOLUTIONS, LLC3 | 31011 VIKING PKWY STE 1 WESTLAKE, OH 44145 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $32K | — | $32K | 9.93% |
| ANCORA INSURANCE SOLUTIONS, LLC3 | 31011 VIKING PKWY STE 1 WESTLAKE, OH 44145 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $30K | — | $30K | 15.00% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 4200 ROCKSIDE RD STE 103 COLUMBUS, OH 44131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 2.00% |
| ANCORA INSURANCE SOLUTIONS, LLC3 | 31011 VIKING PKWY STE 1 WESTLAKE, OH 44145 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14K | — | $14K | 10.00% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 4200 ROCKSIDE RD STE 103 COLUMBUS, OH 44131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 2.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMMUNITY INSURANCE COMPANY EIN 31-1440715 | Other services; Float revenue; Contract Administrator; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $2.6M |
| ONEDIGITAL EXPRESSLINK LLC | Insurance agents and brokers; Non-monetary compensation; Insurance brokerage commissions and fees; Other commissions Service code 22 | 4200 ROCKSIDE RD STE 103 INDEPENDENCE, OH 44131 | $0 |
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 | 4,715 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 4,717 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,964 | $2.3M |
| Vision | VISION SERVICE PLAN | 4,760 | $445K |
| Life insurance(3 contracts, 2 carriers) | MADISON NATIONAL LIFE | 10,602 | $1.9M |
| Short-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,673 | $2.0M |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,206 | $781K |
| Stop-loss / reinsurancereinsurance | COMMUNITY INSURANCE COMPANY | 4,607 | $2.2M |
| Other(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 10,602 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,602 | — |
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."
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.