| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE Filed as: ONEDIGITAL EXPRESSLINK LLC | 4200 ROCKSIDE RD SUITE 300 CLEVELAND, OH 44131 | GUARDIAN | $384K | $21K | $405K | 16.78% |
| ALPHA PROPERTY & CASUALTY INC3 Filed as: ALPHA PROPERTY AND CASUALTY INC | 31011 VIKING PKWY STE 1 WESTLAKE, OH 44145 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $146K | — | $146K | 12.80% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $23K | $23K | 2.00% |
| ANCORA INSURANCE SOLUTIONS, LLC3 Filed as: ANCORA INS SLTNS LLC | 31011 VIKING PKWY STE 1 WESTLAKE, OH 44145 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14K | — | $14K | 1.20% |
| COMMUNITY INSURANCE COMPANIES, INC.3 | 2621 MICHIGAN ST SIDNEY, OH 45365 | COMMUNITY INSURANCE COMPANY | — | — | $0 | 0.00% |
| BENEFIT EDUCATORS LLC3 | 2516 WAUKEGAN RD GLENVIEW, IL 60025 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $69K | — | $69K | 12.20% |
| ALPHA PROPERTY & CASUALTY INC3 | 31011 VIKING PKWY STE 1 WESTLAKE, OH 44145 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $35K | — | $35K | 6.22% |
| BSC AGENCY LLC3 | 1025 ASHWORTH RD #101 WEST DES MOINES, IA 50265 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $34K | $34K | 6.00% |
| ANCORA INSURANCE SOLUTIONS, LLC3 Filed as: ANCORA INS SLTNS LLC | 31011 VIKING PKWY STE 1 WESTLAKE, OH 44145 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | — | $11K | 1.91% |
| ALPHA PROPERTY & CASUALTY INC3 Filed as: ALPHA PROPERTY & CASUALTY, INC. | 31011 VIKING PKWY STE 1 WESTLAKE, OH 44145 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $72K | — | $72K | 13.71% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $10K | $10K | 2.00% |
| ANCORA INSURANCE SOLUTIONS, LLC3 Filed as: ANCORA INS SLTNS LLC | 31011 VIKING PKWY STE 1 WESTLAKE, OH 44145 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 1.29% |
| BENEFIT EDUCATORS LLC3 | 2516 WAUKEGAN RD GLENVIEW, IL 60025 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $52K | — | $52K | 11.49% |
| BSC AGENCY LLC3 | 1025 ASHWORTH RD #101 WEST DES MOINES, IA 50265 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $27K | $27K | 6.00% |
| ALPHA PROPERTY & CASUALTY INC3 | 31011 VIKING PKWY STE 1 WESTLAKE, OH 44145 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $26K | — | $26K | 5.87% |
| ANCORA INSURANCE SOLUTIONS, LLC3 Filed as: ANCORA INS SLTNS LLC | 31011 VIKING PKWY STE 1 WESTLAKE, OH 44145 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 1.79% |
| BENEFIT EDUCATORS LLC3 Filed as: BENEFIT EDUCATORS, LLC | 2516 WAUKEGAN RD STE. 357 GLENVIEW, IL 60025 | MADISON NATIONAL LIFE | $101K | — | $101K | 22.35% |
| ALPHA PROPERTY & CASUALTY INC3 | 25000 CENTER RIDGE RD STE. 8 WESTLAKE, OH 44145 | MADISON NATIONAL LIFE | $44K | — | $44K | 9.82% |
| ANCORA INSURANCE SOLUTIONS, LLC3 | 1 HOLLOW LN. STE 201 NEW HYDE PARK, NY 11042 | MADISON NATIONAL LIFE | $19K | — | $19K | 4.16% |
| GWH CONSULTING, LLC3 | 5012 BLACKJACK DR FRANKLIN, TN 37067 | MADISON NATIONAL LIFE | $14K | — | $14K | 3.22% |
| NEXTGEN BENEFIT ADVISOR, LLC3 | 710 S 6TH ST PHILADELPHIA, PA 19147 | MADISON NATIONAL LIFE | $11K | — | $11K | 2.50% |
| BAFFIN BAY MARKETING GROUP, LLC3 | PO BOX 161690 AUSTIN, TX 78716 | MADISON NATIONAL LIFE | $9K | — | $9K | 1.93% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | VISION SERVICE PLAN | $6K | — | $6K | 1.58% |
| ALPHA BENEFITS INC3 | 4200 ROCKSIDE ROAD STE 300 CLEVELAND, OH 441312530 | VISION SERVICE PLAN | — | — | $0 | 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. | $13K | $30 | $13K | 5.04% |
| ALPHA PROPERTY & CASUALTY INC3 Filed as: ALPHA PROPERTY AND CAUSUALTY INC | 31011 VIKING PKWY STE 1 WESTLAKE, OH 44145 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | — | $9K | 9.18% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 2.00% |
| ANCORA INSURANCE SOLUTIONS, LLC3 Filed as: ANCORA INS SLTNS LLC | 31011 VIKING PKWY STE 1 WESTLAKE, OH 44145 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $809 | — | $809 | 0.82% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMMUNITY INSURANCE COMPANY EIN 31-1440175 N/A | Claims processing; Float revenue; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services Service code 12 | — | $1.9M |
| INGENIO RX, INC. EIN 82-3062245 N/A | Float revenue; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Other services Service code 12 | — | $212K |
| ONEDIGITAL EXPRESSLINK LLC N/A | Other commissions; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 4200 ROCKSIDE RD STE 103 INDEPENDENCE, OH 44131 | $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 | 8,145 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 8,158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GEISINGER QUALITY OPTIONS,INC. | 51 | $258K |
| Dental | GUARDIAN | 7,521 | $2.4M |
| Vision | VISION SERVICE PLAN | 3,802 | $373K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN | 7,521 | $2.9M |
| Short-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,301 | $1.2M |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,056 | $523K |
| Stop-loss / reinsurancereinsurance | COMMUNITY INSURANCE COMPANY | 6,725 | $1.1M |
| Other(3 contracts, 2 carriers) | GUARDIAN | 7,521 | $3.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,521 | — |
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.