| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EXPRESSLINK GENERAL AGENCY LLC3 | 4200 ROCKSIDE RD #103 INDEPENDENCE, OH 44131 | GUARDIAN | $116K | $17K | $133K | 11.67% |
| LIFETIME FINANCIAL GROWTH OF N3 | 245000 CHAGRIN BLVD STE 200 BEACHWOOD, OH 44122 | GUARDIAN | $1K | — | $1K | 0.11% |
| CAPITAL PLANNERS LLC3 | 1191 LUDLAM CT MARCO ISLAND, FL 34145 | GUARDIAN | $622 | — | $622 | 0.05% |
| ALPHA BENEFITS INC3 | 4200 ROCKSIDE RD #300 CLEVELAND, OH 44131 | COMMUNITY INSURANCE COMPANY | $356K | — | $356K | 42.38% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS, INC. | 35371 NETWORK PL CHICAGO, IL 606731353 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $41K | — | $41K | 17.09% |
| BRIAN SPEAR3 | 25000 CENTER RIDGE ROAD WESTLAKE, OH 44145 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14K | — | $14K | 5.64% |
| ALPHA PROPERTY & CASUALTY INC3 Filed as: ALPHA PROPERTY & CASUALTY, INC. | 25000 CENTER RIDGE ROAD WESTLAKE, OH 44145 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | — | $13K | 5.54% |
| ALPHA BENEFITS INC3 Filed as: ALPHA BENEFITS INC. | 4200 ROCKSIDE RD STE 300 CLEVELAND, OH 44131 | VISION SERVICE PLAN | $4K | — | $4K | 1.95% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMMUNITY INSURANCE COMPANY EIN 31-1440175 N/A | Claims processing; Contract Administrator; Float revenue; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other fees Service code 12 | — | $1.2M |
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 | 4,384 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 4,384 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 4,384 | $1.1M |
| Vision | VISION SERVICE PLAN | 3,893 | $227K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN | 4,384 | $1.4M |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,137 | $242K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,137 | $242K |
| Stop-loss / reinsurancereinsurance | COMMUNITY INSURANCE COMPANY | 1,751 | $839K |
| Other(2 contracts, 2 carriers) | GUARDIAN | 4,384 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,384 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.