| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANCORA INSURANCE SOLUTIONS, LLC3 Filed as: ANCORA INSURANCE SOLUTIONS LLC | 31011 VIKING PARKWAY #1 WESTLAKE, OH 44145 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $198K | — | $198K | 14.00% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 4200 ROCKSIDE RD STE 103 COLUMBUS, OH 44131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $44K | $44K | 3.08% |
| ANCORA INSURANCE SOLUTIONS, LLC3 Filed as: ANCORA INSURANCE SOLUTIONS LLC | 31011 VIKING PARKWAY #1 WESTLAKE, OH 44145 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $87K | — | $87K | 6.50% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 4200 ROCKSIDE RD STE 103 COLUMBUS, OH 44131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $44K | $44K | 3.28% |
| BENEFIT EDUCATORS LLC3 Filed as: BENEFIT EDUCATORS, LLC | 2516 WAUKEGAN RD STE. 357 GLENVIEW, IL 60025 | MADISON NATIONAL LIFE | $447K | — | $447K | 40.45% |
| ANCORA INSURANCE SOLUTIONS, LLC3 | 1 HOLLOW LN. STE 201 NEW HYDE PARK, NY 11042 | MADISON NATIONAL LIFE | $253K | — | $253K | 22.86% |
| GWH CONSULTING, LLC3 | 5012 BLACKJACK DR FRANKLIN, TN 37067 | MADISON NATIONAL LIFE | $21K | — | $21K | 1.92% |
| BAFFIN BAY MARKETING GROUP, LLC3 | PO BOX 161690 AUSTIN, TX 78716 | MADISON NATIONAL LIFE | $13K | — | $13K | 1.15% |
| NEXTGEN BENEFIT ADVISOR, LLC3 | 710 S 6TH ST PHILADELPHIA, PA 19147 | MADISON NATIONAL LIFE | $2K | — | $2K | 0.19% |
| BENEFIT EDUCATORS LLC3 | 2516 WAUKEGAN RD GLENVIEW, IL 60025 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $120K | — | $120K | 19.84% |
| ANCORA INSURANCE SOLUTIONS, LLC3 Filed as: ANCORA INSURANCE SOLUTIONS LLC | 31011 VIKING PARKWAY #1 WESTLAKE, OH 44145 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $80K | — | $80K | 13.22% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 4200 ROCKSIDE RD STE 103 INDEPENDENCE, OH 44131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $15K | $15K | 2.53% |
| BSC AGENCY LLC3 | 1025 ASHWORTH RD #101 WEST DES MOINES, IA 50265 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $5K | $5K | 0.91% |
| ANCORA INSURANCE SOLUTIONS, LLC3 Filed as: ANCORA INSURANCE SOLUTIONS LLC | 31011 VIKING PARKWAY #1 WESTLAKE, OH 44145 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $86K | — | $86K | 15.00% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 4200 ROCKSIDE RD STE 103 COLUMBUS, OH 44131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $27K | $27K | 4.66% |
| ANCORA INSURANCE SOLUTIONS, LLC3 Filed as: ANCORA INSURANCE SOLUTIONS LLC | 31011 VIKING PARKWAY #1 WESTLAKE, OH 44145 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $85K | — | $85K | 15.00% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 4200 ROCKSIDE RD STE 103 COLUMBUS, OH 44131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $11K | $11K | 2.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | VISION SERVICE PLAN | $6K | — | $6K | 1.40% |
| ANCORA INSURANCE SOLUTIONS, LLC3 Filed as: ANCORA INSURANCE SOLUTIONS LLC | 31011 VIKING PARKWAY #1 WESTLAKE, OH 44145 | GEISINGER QUALITY OPTIONS,INC. | $18K | $30 | $18K | 4.31% |
| BENEFIT EDUCATORS LLC3 | 2516 WAUKEGAN RD GLENVIEW, IL 60025 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $71K | — | $71K | 19.37% |
| ANCORA INSURANCE SOLUTIONS, LLC3 Filed as: ANCORA INSURANCE SOLUTIONS LLC | 31011 VIKING PARKWAY #1 WESTLAKE, OH 44145 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $47K | — | $47K | 12.91% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 4200 ROCKSIDE RD STE 103 INDEPENDENCE, OH 44131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $15K | $15K | 4.20% |
| BSC AGENCY LLC3 | 1025 ASHWORTH RD #101 WEST DES MOINES, IA 50265 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 1.09% |
| BENEFIT EDUCATORS LLC3 | 2516 WAUKEGAN RD GLENVIEW, IL 60025 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $108K | — | $108K | 30.13% |
| ANCORA INSURANCE SOLUTIONS, LLC3 Filed as: ANCORA INSURANCE SOLUTIONS LLC | 31011 VIKING PARKWAY #1 WESTLAKE, OH 44145 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $72K | — | $72K | 20.09% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 4200 ROCKSIDE RD STE 103 INDEPENDENCE, OH 44131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $21K | $21K | 5.81% |
| ANCORA INSURANCE SOLUTIONS, LLC3 Filed as: ANCORA INSURANCE SOLUTIONS LLC | 31011 VIKING PARKWAY #1 WESTLAKE, OH 44145 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $17K | — | $17K | 6.50% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 4200 ROCKSIDE RD STE 103 COLUMBUS, OH 44131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $11K | $11K | 4.07% |
| ANCORA INSURANCE SOLUTIONS, LLC3 Filed as: ANCORA INSURANCE SOLUTIONS LLC | 31011 VIKING PARKWAY #1 WESTLAKE, OH 44145 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $19K | — | $19K | 15.00% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 4200 ROCKSIDE RD STE 103 COLUMBUS, OH 44131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 2.00% |
| ANCORA INSURANCE SOLUTIONS, LLC3 Filed as: ANCORA INSURANCE SOLUTIONS LLC | 31011 VIKING PARKWAY #1 WESTLAKE, OH 44145 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | — | $10K | 10.00% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 4200 ROCKSIDE RD STE 103 COLUMBUS, OH 44131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $5K | $5K | 5.13% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMMUNITY INSURANCE COMPANY EIN 31-1440175 N/A | Claims processing; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Contract Administrator Service code 12 | — | $2.1M |
| ONEDIGITAL EXPRESSLINK LLC N/A | Insurance agents and brokers; Other commissions; 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 | 4,752 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 4,754 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GEISINGER QUALITY OPTIONS,INC. | 77 | $417K |
| Dental(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,068 | $1.6M |
| Vision | VISION SERVICE PLAN | 4,884 | $441K |
| Life insurance(3 contracts, 2 carriers) | MADISON NATIONAL LIFE | 10,240 | $1.8M |
| Short-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,902 | $1.5M |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,386 | $576K |
| Stop-loss / reinsurancereinsurance | COMMUNITY INSURANCE COMPANY | 4,729 | $1.9M |
| Other(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 10,240 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,240 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.