| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EXPRESSLINK GENERAL AGENCY LLC3 | 4200 ROCKSIDE RD #103 CLEVELAND, OH 44131 | GUARDIAN | $203K | $29K | $232K | 13.01% |
| LIFETIME FINANCIAL GROWTH OF N3 | 24500 CHAGRIN BLVD STE 200 BEACHWOOD, OH 44122 | GUARDIAN | $587 | — | $587 | 0.03% |
| ALPHA BENEFITS INC3 | 4200 ROCKSIDE RD #300 CLEVELAND, OH 44131 | COMMUNITY INSURANCE COMPANY | $531K | — | $531K | 41.45% |
| ALPHA PROPERTY & CASUALTY INC3 Filed as: ALPHA PROPERTY AND CASUALTY INC | 2500 CENTER RIDGE ROAD WESTLAKE, OH 44145 | THE LINCOLN NATIONAL LIFE INSURANCE | $152K | — | $152K | 17.00% |
| EXPRESSLINK GENERAL AGENCY LLC3 Filed as: EXPRESSLINK GENERAL AGENCY INC | 4200 ROCKSIDE ROAD CLEVELAND, OH 44131 | THE LINCOLN NATIONAL LIFE INSURANCE | — | $62K | $62K | 6.96% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS INC | 35371 NETWORK PL CHICAGO, IL 60673 | THE LINCOLN NATIONAL LIFE INSURANCE | $112K | — | $112K | 21.86% |
| ALPHA PROPERTY & CASUALTY INC3 | 25000 CENTER RIDGE RD WESTLAKE, OH 44145 | THE LINCOLN NATIONAL LIFE INSURANCE | $59K | — | $59K | 11.53% |
| BRIAN SPEAR3 | 25000 CENTER RIDGE RD WESTLAKE, OH 44145 | THE LINCOLN NATIONAL LIFE INSURANCE | $16K | — | $16K | 3.04% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS | 35371 NETWORK PLACE CHICAGO, IL 61673 | THE LINCOLN NATIONAL LIFE INSURANCE | $72K | $3 | $72K | 16.02% |
| ALPHA PROPERTY & CASUALTY INC3 | 25000 CENTER RIDGE RD WESTLAKE, OH 44145 | THE LINCOLN NATIONAL LIFE INSURANCE | $48K | — | $48K | 10.69% |
| EXPRESSLINK GENERAL AGENCY LLC Filed as: EXPRESSLINK GENERAL AGCY LLC | 4200 ROCKSLIDE RD STE 103 CLEVELAND, OH 44131 | THE LINCOLN NATIONAL LIFE INSURANCE | $9K | $22K | $31K | 6.94% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS | 35371 NETWORK PLACE CHICAGO, IL 61673 | THE LINCOLN NATIONAL LIFE INSURANCE | $76K | — | $76K | 20.52% |
| ALPHA PROPERTY & CASUALTY INC | 25000 CENTER RIDGE RD WESTLAKE, OH 44145 | THE LINCOLN NATIONAL LIFE INSURANCE | $51K | — | $51K | 13.67% |
| EXPRESSLINK GENERAL AGENCY LLC3 Filed as: EXPRESSLINK GENERAL AGCY LLC | 4200 ROCKSLIDE RD STE 103 CLEVELAND, OH 44131 | THE LINCOLN NATIONAL LIFE INSURANCE | $7K | $19K | $27K | 7.17% |
| ALPHA BENEFITS INC3 Filed as: ALPHA BENEFITS INC. | 4200 ROCKSIDE RD STE 300 CLEVELAND, OH 44131 | VISION SERVICE PLAN | $5K | — | $5K | 1.57% |
| ALPHA PROPERTY & CASUALTY INC3 Filed as: ALPHA PROPERTY & CASUALTY, INC. | 25000 CENTER RIDGE ROAD WESTLAKE, OH 44145 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $46K | — | $46K | 15.00% |
| EXPRESSLINK GENERAL AGENCY LLC3 | 4200 ROCKSIDE RD SUITE 103 CLEVELAND, OH 44131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $24K | $24K | 7.85% |
| ALPHA PROPERTY & CASUALTY INC3 Filed as: ALPHA PROPERTY AND CAUSUALTY INC | 2500 CENTER RIDGE ROAD WESTLAKE, OH 44145 | THE LINCOLN NATIONAL LIFE INSURNACE | $7K | — | $7K | 10.00% |
| EXPRESSLINK GENERAL AGENCY LLC3 | 4200 ROCKSIDE ROAD CLEVELAND, OH 44131 | THE LINCOLN NATIONAL LIFE INSURNACE | — | $5K | $5K | 7.73% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMMUNITY INSURANCE COMPANY EIN 31-1440175 N/A | Claims processing; Other services; Other fees; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue Service code 12 | — | $1.6M |
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 | 6,304 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 119 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 6,423 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 3,773 | $1.3M |
| Dental | GUARDIAN | 6,423 | $1.8M |
| Vision | VISION SERVICE PLAN | 3,485 | $346K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN | 6,423 | $2.3M |
| Short-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE | 1,539 | $961K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,096 | $306K |
| Stop-loss / reinsurancereinsurance | COMMUNITY INSURANCE COMPANY | 3,773 | $1.3M |
| Other(3 contracts, 2 carriers) | GUARDIAN | 6,423 | $2.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,423 | — |
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.