| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 4200 ROCKSIDE RD #103 CLEVELAND, OH 44131 | GUARDIAN | $464K | $21K | $485K | 17.36% |
| LIFETIME FINANCIAL GROWTH OF N3 | 24500 CHAGRIN BLVD STE 200 BEACHWOOD, OH 44122 | GUARDIAN | $2K | — | $2K | 0.07% |
| ALPHA PROPERTY & CASUALTY INC3 Filed as: ALPHA PROPERTY AND CASUALTY INC | 2500 CENTER RIDGE ROAD WESTLAKE, OH 44145 | THE LINCOLN NATIONAL LIFE INSURANCE | $176K | — | $176K | 17.00% |
| EXPRESSLINK GENERAL AGENCY LLC3 Filed as: EXPRESSLINK GENERAL AGENCY INC | 4200 ROCKSIDE ROAD CLEVELAND, OH 44131 | THE LINCOLN NATIONAL LIFE INSURANCE | $0 | $21K | $21K | 2.08% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE | $0 | $12K | $12K | 1.16% |
| ALPHA BENEFITS INC3 | 4200 ROCKSIDE RD #300 CLEVELAND, OH 44131 | COMMUNITY INSURANCE COMPANY | $617K | — | $617K | 70.44% |
| ALPHA PROPERTY & CASUALTY INC3 Filed as: ALPHA PROPERTY & CASUALTY, INC. | 25000 CENTER RIDGE ROAD WESTLAKE, OH 44145 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $65K | — | $65K | 15.00% |
| EXPRESSLINK GENERAL AGENCY LLC3 | 4200 ROCKSIDE RD SUITE 103 CLEVELAND, OH 44131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $11K | $11K | 2.49% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $5K | $5K | 1.19% |
| ALPHA BENEFITS INC3 Filed as: ALPHA BENEFITS INC. | 4200 ROCKSIDE RD STE 300 CLEVELAND, OH 44131 | VISION SERVICE PLAN | $6K | — | $6K | 1.41% |
| ALPHA PROPERTY & CASUALTY INC3 Filed as: ALPHA PROPERTY AND CAUSUALTY INC | 2500 CENTER RIDGE ROAD WESTLAKE, OH 44145 | THE LINCOLN NATIONAL LIFE INSURNACE | $8K | — | $8K | 10.00% |
| EXPRESSLINK GENERAL AGENCY LLC3 | 4200 ROCKSIDE ROAD STE 103 CLEVELAND, OH 44131 | THE LINCOLN NATIONAL LIFE INSURNACE | $0 | $2K | $2K | 2.73% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURNACE | $0 | $963 | $963 | 1.17% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS | 35371 NETWORK PLACE CHICAGO, IL 61673 | THE LINCOLN NATIONAL LIFE INSURANCE | $2K | $3K | $5K | 26.52% |
| EXPRESSLINK GENERAL AGENCY LLC3 Filed as: EXPRESSLINK GENERAL AGCY LLC | 4200 ROCKSIDE RD STE 103 CLEVELAND, OH 44131 | THE LINCOLN NATIONAL LIFE INSURANCE | $373 | $4K | $5K | 26.12% |
| ALPHA PROPERTY & CASUALTY INC3 | 25000 CENTER RIDGE RD WESTLAKE, OH 44145 | THE LINCOLN NATIONAL LIFE INSURANCE | $4K | — | $4K | 20.44% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS | 35371 NETWORK PLACE CHICAGO, IL 61673 | THE LINCOLN NATIONAL LIFE INSURANCE | $2K | $3K | $5K | 31.73% |
| EXPRESSLINK GENERAL AGENCY LLC3 Filed as: EXPRESSLINK GENERAL AGCY LLC | 4200 ROCKSLIDE RD STE 103 CLEVELAND, OH 44131 | THE LINCOLN NATIONAL LIFE INSURANCE | $328 | $4K | $4K | 27.01% |
| ALPHA PROPERTY & CASUALTY INC3 | 25000 CENTER RIDGE RD WESTLAKE, OH 44145 | THE LINCOLN NATIONAL LIFE INSURANCE | $4K | — | $4K | 24.27% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMMUNITY INSURANCE COMPANY EIN 31-1440175 N/A | Float revenue; Other services; Claims processing; Insurance brokerage commissions and fees; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other commissions; Contract Administrator; Insurance agents and brokers Service code 12 | — | $2.4M |
| INGENIO RX, INC. EIN 82-3062245 N/A | Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Claims processing; Other services; Contract Administrator Service code 12 | — | $14K |
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 | 4,712 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 4,725 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 3,264 | $877K |
| Dental | GUARDIAN | 7,801 | $2.8M |
| Vision | VISION SERVICE PLAN | 4,514 | $425K |
| Life insurance | GUARDIAN | 7,801 | $2.8M |
| Short-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE | 2,119 | $1.1M |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,872 | $435K |
| Stop-loss / reinsurancereinsurance | COMMUNITY INSURANCE COMPANY | 3,264 | $877K |
| Other(3 contracts, 2 carriers) | GUARDIAN | 7,801 | $2.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,801 | — |
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.