| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EXPRESSLINK GENERAL AGENCY LLC3 | 4200 ROCKSIDE RD #103 INDEPENDENCE, OH 44131 | GUARDIAN | $221K | $19K | $240K | 12.27% |
| CAPITAL PLANNERS LLC3 | 25101 CHAGRIN BLVD BEACHWOOD, OH 44122 | GUARDIAN | $318 | — | $318 | 0.02% |
| LIFETIME FINANCIAL GROWTH OF N3 | 24500 CHAGRIN BLVD STE 200 BEACHWOOD, OH 44122 | GUARDIAN | $60 | — | $60 | 0.00% |
| ALPHA BENEFITS INC3 | 4200 ROCKSIDE RD #300 CLEVELAND, OH 44131 | COMMUNITY INSURANCE COMPANY | $514K | — | $514K | 37.90% |
| ALPHA PROPERTY & CASUALTY INC3 Filed as: ALPHA PROPERTY AND CASUALTY INC | 2500 CENTER RIDGE ROAD WESTLAKE, OH 44145 | THE LINCOLN NATIONAL LIFE INSURANCE | $129K | — | $129K | 18.03% |
| EXPRESSLINK GENERAL AGENCY LLC3 Filed as: EXPRESSLINK GENERAL AGENCY INC | 4200 ROCKSIDE ROAD CLEVELAND, OH 44131 | THE LINCOLN NATIONAL LIFE INSURANCE | $1K | $46K | $47K | 6.55% |
| ALPHA BENEFITS INC3 Filed as: ALPHA BENEFITS INC. | 4200 ROCKSIDE RD STE 300 CLEVELAND, OH 44131 | VISION SERVICE PLAN | $6K | — | $6K | 1.79% |
| ALPHA PROPERTY & CASUALTY INC3 Filed as: ALPHA PROPERTY & CASUALTY, INC. | 25000 CENTER RIDGE ROAD WESTLAKE, OH 44145 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $37K | — | $37K | 15.00% |
| EXPRESSLINK GENERAL AGENCY LLC3 | 4200 ROCKSIDE RD SUITE 103 CLEVELAND, OH 44131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $417 | $17K | $18K | 7.16% |
| ALPHA PROPERTY & CASUALTY INC3 Filed as: ALPHA PROPERTY AND CAUSUALTY INC | 2500 CENTER RIDGE ROAD WESTLAKE, OH 44145 | THE LINCOLN NATIONAL LIFE INSURNACE | $5K | — | $5K | 10.00% |
| EXPRESSLINK GENERAL AGENCY LLC3 | 4200 ROCKSIDE ROAD CLEVELAND, OH 44131 | THE LINCOLN NATIONAL LIFE INSURNACE | $106 | $4K | $4K | 7.74% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMMUNITY INSURANCE COMPANY EIN 31-1440175 N/A | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Float revenue; Other fees; Claims processing; Other services Service code 12 | — | $2.4M |
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 | 6,963 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 6,963 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 6,963 | $2.0M |
| Vision | VISION SERVICE PLAN | 3,763 | $320K |
| Life insurance | GUARDIAN | 6,963 | $2.0M |
| Short-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE | 1,730 | $770K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,173 | $250K |
| Stop-loss / reinsurancereinsurance | COMMUNITY INSURANCE COMPANY | 2,606 | $1.4M |
| Other | GUARDIAN | 6,963 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,963 | — |
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.