| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 4200 ROCKSIDE RD #103 CLEVELAND, OH 44131 | GUARDIAN | $388K | $12K | $400K | 17.05% |
| COMMUNITY INSURANCE COMPANIES, INC.3 | 2621 MICHIGAN ST SIDNEY, OH 45365 | COMMUNITY INSURANCE COMPANY | $464K | — | $464K | 34.36% |
| ALPHA PROPERTY & CASUALTY INC3 Filed as: ALPHA PROPERTY AND CASUALTY INC | 31011 VIKING PKWY STE 1 WESTLAKE, OH 44145 | THE LINCOLN NATIONAL LIFE INSURANCE | $138K | — | $138K | 14.27% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE | $0 | $36K | $36K | 3.68% |
| 1 | — | THE LINCOLN NATIONAL LIFE INSURANCE | — | — | $0 | 0.00% |
| BENEFIT EDUCATORS LLC3 | 2516 WAUKEGAN RD GLENVIEW, IL 60025 | THE LINCOLN NATIONAL LIFE INSURANCE | $154K | — | $154K | 23.60% |
| ALPHA PROPERTY & CASUALTY INC3 | 31011 VIKING PKWY STE 1 WESTLAKE, OH 44145 | THE LINCOLN NATIONAL LIFE INSURANCE | $103K | — | $103K | 15.73% |
| BSC AGENCY LLC3 | 1025 ASHWORTH RD #101 WEST DES MOINES, IA 50265 | THE LINCOLN NATIONAL LIFE INSURANCE | — | $39K | $39K | 6.00% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE | — | $16K | $16K | 2.49% |
| BENEFIT EDUCATORS LLC3 | 2516 WAUKEGAN RD GLENVIEW, IL 60025 | THE LINCOLN NATIONAL LIFE INSURANCE | $126K | — | $126K | 21.70% |
| ALPHA PROPERTY & CASUALTY INC3 | 31011 VIKING PKWY STE 1 WESTLAKE, OH 44145 | THE LINCOLN NATIONAL LIFE INSURANCE | $84K | — | $84K | 14.47% |
| BSC AGENCY LLC3 | 1025 ASHWORTH RD #101 WEST DES MOINES, IA 50265 | THE LINCOLN NATIONAL LIFE INSURANCE | — | $35K | $35K | 6.00% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE | — | $16K | $16K | 2.80% |
| BENEFIT EDUCATOR, LLC3 | 2516 WAUKEGAN RD STE. 357 GLENVIEW, IL 60025 | MADISON NATIONAL LIFE | $79K | — | $79K | 16.42% |
| ALPHA PROPERTY & CASUALTY INC3 | 25000 CENTER RIDGE RD STE. 8 WESTLAKE, OH 44145 | MADISON NATIONAL LIFE | $53K | — | $53K | 10.94% |
| GWH CONSULTING, LLC3 | 5012 BLACKJACK DR FRANKLIN, TN 37067 | MADISON NATIONAL LIFE | $16K | — | $16K | 3.30% |
| NEXTGEN BENEFIT ADVISOR, LLC3 | 710 S 6TH ST PHILADELPHIA, PA 19147 | MADISON NATIONAL LIFE | $15K | — | $15K | 3.04% |
| BAFFIN BAY MARKETING GROUP, LLC3 | PO BOX 161690 AUSTIN, TX 78716 | MADISON NATIONAL LIFE | $11K | — | $11K | 2.20% |
| KEVIN EARL POYNTER3 | 5012 BLACKJACK DR FRANKLIN, TN 67067 | MADISON NATIONAL LIFE | $2K | — | $2K | 0.36% |
| ALPHA PROPERTY & CASUALTY INC3 Filed as: ALPHA PROPERTY & CASUALTY, INC. | 31011 VIKING PKWY STE 1 WESTLAKE, OH 44145 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $68K | — | $68K | 15.00% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $23K | $23K | 5.14% |
| ALPHA BENEFITS INC3 | 4200 ROCKSIDE ROAD STE 300 CLEVELAND, OH 441312530 | VISION SERVICE PLAN | $4K | — | $4K | 1.04% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | VISION SERVICE PLAN | $1K | — | $1K | 0.29% |
| BRIAN SPEAR3 Filed as: BRIAN SPEAR C/O ALPHA PROPERTY | 25000 CENTER RIDGE RD STE. 8 WESTLAKE, OH 44145 | GEISINGER HEALTH PLAN | $14K | $30 | $14K | 4.61% |
| ALPHA PROPERTY & CASUALTY INC3 Filed as: ALPHA PROPERTY AND CAUSUALTY INC | 31011 VIKING PKWY STE 1 WESTLAKE, OH 44145 | THE LINCOLN NATIONAL LIFE INSURNACE | $9K | — | $9K | 10.00% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURNACE | $0 | $4K | $4K | 5.12% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMMUNITY INSURANCE COMPANY EIN 31-1440175 N/A | Float revenue; Other commissions; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Insurance brokerage commissions and fees; Other services; Insurance agents and brokers Service code 12 | — | $1.3M |
| INGENIO RX, INC. EIN 82-3062245 N/A | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Claims processing Service code 12 | — | $0 |
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 | 4,944 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 4,957 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | COMMUNITY INSURANCE COMPANY | 4,957 | $1.7M |
| Dental | GUARDIAN | 7,625 | $2.3M |
| Vision | VISION SERVICE PLAN | 4,579 | $430K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN | 7,625 | $2.8M |
| Short-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE | 2,217 | $1.1M |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,014 | $451K |
| Stop-loss / reinsurancereinsurance | COMMUNITY INSURANCE COMPANY | 4,957 | $1.3M |
| Other(3 contracts, 2 carriers) | GUARDIAN | 7,625 | $3.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,625 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.