| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EXPRESSLINK GENERAL AGENCY LLC3 | 4200 ROCKSIDE RD #103 CLEVELAND, OH 44131 | GUARDIAN | $272K | $22K | $295K | 13.86% |
| LIFETIME FINANCIAL GROWTH OF N3 | 24500 CHAGRIN BLVD STE 200 BEACHWOOD, OH 44122 | GUARDIAN | $1K | — | $1K | 0.05% |
| ALPHA BENEFITS INC3 | 4200 ROCKSIDE RD #300 CLEVELAND, OH 44131 | COMMUNITY INSURANCE COMPANY | $368K | — | $368K | 25.46% |
| ALPHA PROPERTY & CASUALTY INC3 Filed as: ALPHA PROPERTY AND CASUALTY INC | 2500 CENTER RIDGE ROAD WESTLAKE, OH 44145 | THE LINCOLN NATIONAL LIFE INSURANCE | $150K | — | $150K | 17.00% |
| EXPRESSLINK GENERAL AGENCY LLC3 Filed as: EXPRESSLINK GENERAL AGENCY INC | 4200 ROCKSIDE ROAD CLEVELAND, OH 44131 | THE LINCOLN NATIONAL LIFE INSURANCE | — | $54K | $54K | 6.14% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS INC | 35371 NETWORK PL CHICAGO, IL 60673 | THE LINCOLN NATIONAL LIFE INSURANCE | $59K | — | $59K | 13.38% |
| ALPHA PROPERTY & CASUALTY INC3 | 25000 CENTER RIDGE RD WESTLAKE, OH 44145 | THE LINCOLN NATIONAL LIFE INSURANCE | $22K | — | $22K | 4.97% |
| BRIAN SPEAR3 | 25000 CENTER RIDGE RD WESTLAKE, OH 44145 | THE LINCOLN NATIONAL LIFE INSURANCE | $18K | — | $18K | 4.03% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS | 35371 NETWORK PLACE CHICAGO, IL 61673 | THE LINCOLN NATIONAL LIFE INSURANCE | $55K | — | $55K | 12.78% |
| ALPHA PROPERTY & CASUALTY INC3 | 25000 CENTER RIDGE RD WESTLAKE, OH 44145 | THE LINCOLN NATIONAL LIFE INSURANCE | $44K | — | $44K | 10.15% |
| EXPRESSLINK GENERAL AGENCY LLC3 Filed as: EXPRESSLINK GENERAL AGCY LLC | 4200 ROCKSIDE RD STE 103 CLEVELAND, OH 44131 | THE LINCOLN NATIONAL LIFE INSURANCE | $8K | $15K | $23K | 5.41% |
| ALPHA BENEFITS INC3 Filed as: ALPHA BENEFITS INC. | 4200 ROCKSIDE RD STE 300 CLEVELAND, OH 44131 | VISION SERVICE PLAN | $6K | — | $6K | 1.49% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS | 35371 NETWORK PLACE CHICAGO, IL 61673 | THE LINCOLN NATIONAL LIFE INSURANCE | $60K | — | $60K | 16.67% |
| ALPHA PROPERTY & CASUALTY INC3 | 25000 CENTER RIDGE RD WESTLAKE, OH 44145 | THE LINCOLN NATIONAL LIFE INSURANCE | $50K | — | $50K | 13.89% |
| EXPRESSLINK GENERAL AGENCY LLC3 Filed as: EXPRESSLINK GENERAL AGCY LLC | 4200 ROCKSLIDE RD STE 103 CLEVELAND, OH 44131 | THE LINCOLN NATIONAL LIFE INSURANCE | $7K | $11K | $18K | 5.00% |
| ALPHA PROPERTY & CASUALTY INC3 Filed as: ALPHA PROPERTY & CASUALTY, INC. | 25000 CENTER RIDGE ROAD WESTLAKE, OH 44145 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $47K | — | $47K | 15.00% |
| EXPRESSLINK GENERAL AGENCY LLC3 | 4200 ROCKSIDE RD SUITE 103 CLEVELAND, OH 44131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $22K | $22K | 6.97% |
| 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 STE 103 CLEVELAND, OH 44131 | THE LINCOLN NATIONAL LIFE INSURNACE | — | $5K | $5K | 7.05% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMMUNITY INSURANCE COMPANY EIN 31-1440175 N/A | Float revenue; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other fees; Claims processing; Contract Administrator Service code 12 | — | $1.5M |
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 | 7,785 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 31 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 7,816 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 4,465 | $1.4M |
| Dental | GUARDIAN | 7,816 | $2.1M |
| Vision | VISION SERVICE PLAN | 4,149 | $377K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN | 7,816 | $2.6M |
| Short-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE | 1,865 | $947K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,209 | $311K |
| Stop-loss / reinsurancereinsurance | COMMUNITY INSURANCE COMPANY | 4,465 | $1.4M |
| Other(3 contracts, 2 carriers) | GUARDIAN | 7,816 | $2.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,816 | — |
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.