| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LIFETIME FINANCIAL GROWTH OF N3 | 24500 CHAGRIN BLVD, SUITE 200 BEACHWOOD, OH 44122 | GUARDIAN | $67 | — | $67 | 0.00% |
| COMMUNITY INSURANCE COMPANIES, INC.3 | 2621 MICHIGAN ST SIDNEY, OH 45365 | COMMUNITY INSURANCE COMPANY | — | — | $0 | 0.00% |
| ALPHA PROPERTY & CASUALTY INC3 Filed as: ALPHA PROPERTY AND CASUALTY INC | 31011 VIKING PKWY STE 1 WESTLAKE, OH 44145 | THE LINCOLN NATIONAL LIFE INSURANCE | $176K | — | $176K | 14.00% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE | — | $29K | $29K | 2.30% |
| 1 | — | THE LINCOLN NATIONAL LIFE INSURANCE | — | — | $0 | 0.00% |
| BENEFIT EDUCATORS LLC3 | 2516 WAUKEGAN RD GLENVIEW, IL 60025 | THE LINCOLN NATIONAL LIFE INSURANCE | $89K | — | $89K | 14.38% |
| ALPHA PROPERTY & CASUALTY INC3 | 31011 VIKING PKWY STE 1 WESTLAKE, OH 44145 | THE LINCOLN NATIONAL LIFE INSURANCE | $59K | — | $59K | 9.59% |
| BSC AGENCY LLC3 | 1025 ASHWORTH RD #101 WEST DES MOINES, IA 50265 | THE LINCOLN NATIONAL LIFE INSURANCE | — | $37K | $37K | 6.00% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE | — | $30K | $30K | 4.84% |
| ALPHA PROPERTY & CASUALTY INC3 Filed as: ALPHA PROPERTY & CASUALTY, INC. | 31011 VIKING PKWY STE 1 WESTLAKE, OH 44145 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $84K | — | $84K | 15.00% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $15K | $15K | 2.60% |
| BENEFIT EDUCATOR, LLC3 | 2516 WAUKEGAN RD STE. 357 GLENVIEW, IL 60025 | MADISON NATIONAL LIFE | $97K | — | $97K | 17.90% |
| ALPHA PROPERTY & CASUALTY INC3 | 25000 CENTER RIDGE RD STE. 8 WESTLAKE, OH 44145 | MADISON NATIONAL LIFE | $65K | — | $65K | 11.94% |
| GWH CONSULTING, LLC3 | 5012 BLACKJACK DR FRANKLIN, TN 37067 | MADISON NATIONAL LIFE | $19K | — | $19K | 3.52% |
| NEXTGEN BENEFIT ADVISOR, LLC3 | 710 S 6TH ST PHILADELPHIA, PA 19147 | MADISON NATIONAL LIFE | $18K | — | $18K | 3.32% |
| BAFFIN BAY MARKETING GROUP, LLC3 | PO BOX 161690 AUSTIN, TX 78716 | MADISON NATIONAL LIFE | $11K | — | $11K | 2.11% |
| BENEFIT EDUCATORS LLC3 | 2516 WAUKEGAN RD GLENVIEW, IL 60025 | THE LINCOLN NATIONAL LIFE INSURANCE | $66K | — | $66K | 12.55% |
| ALPHA PROPERTY & CASUALTY INC3 | 31011 VIKING PKWY STE 1 WESTLAKE, OH 44145 | THE LINCOLN NATIONAL LIFE INSURANCE | $44K | — | $44K | 8.37% |
| BSC AGENCY LLC3 | 1025 ASHWORTH RD #101 WEST DES MOINES, IA 50265 | THE LINCOLN NATIONAL LIFE INSURANCE | — | $32K | $32K | 5.99% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE | — | $30K | $30K | 5.69% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | VISION SERVICE PLAN | $6K | — | $6K | 1.38% |
| ALPHA BENEFITS INC3 | 4200 ROCKSIDE ROAD STE 300 CLEVELAND, OH 441312530 | VISION SERVICE PLAN | $2 | — | $2 | 0.00% |
| BRIAN SPEAR3 Filed as: BRIAN SPEAR C/O ALPHA PROPERTY | 25000 CENTER RIDGE RD STE. 8 WESTLAKE, OH 44145 | GEISINGER QUALITY OPTIONS,INC. | $10K | $30 | $10K | 4.02% |
| ALPHA PROPERTY & CASUALTY INC3 Filed as: ALPHA PROPERTY AND CAUSUALTY INC | 31011 VIKING PKWY STE 1 WESTLAKE, OH 44145 | THE LINCOLN NATIONAL LIFE INSURNACE | $10K | — | $10K | 10.00% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURNACE | — | $3K | $3K | 2.62% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMMUNITY INSURANCE COMPANY EIN 31-1440175 N/A | Other services; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing Service code 12 | — | $2.2M |
| INGENIO RX, INC. EIN 82-3062245 N/A | Claims processing; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Contract Administrator Service code 12 | — | $102K |
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 | 4,170 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 20 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 4,190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | COMMUNITY INSURANCE COMPANY | 6,426 | $1.5M |
| Dental | GUARDIAN | 0 | $2.8M |
| Vision | VISION SERVICE PLAN | 4,200 | $436K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN | 1,539 | $3.3M |
| Short-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE | 2,121 | $1.4M |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,864 | $561K |
| Stop-loss / reinsurancereinsurance | COMMUNITY INSURANCE COMPANY | 6,426 | $1.3M |
| Other(3 contracts, 2 carriers) | GUARDIAN | 2,092 | $3.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,426 | — |
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.