| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: ONEDIGITAL | 4200 ROCKSIDE ROAD, SUITE 300 INDEPENDENCE, OH 44131 | MEDICAL MUTUAL OF OHIO | $30K | $9K | $39K | 6.53% |
| ENROLLEASE3 Filed as: ONEDIGITAL | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | AMFIRST | $17K | $0 | $17K | 15.00% |
| MORGAN WHITE LIMITED3 | PO BOX 14067 JACKSON, MS 39236 | AMFIRST | $6K | $0 | $6K | 5.00% |
| ENROLLEASE3 Filed as: ONEDIGITAL | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $2K | $9K | 12.32% |
| ENROLLEASE3 Filed as: ONEDIGITAL | 4200 ROCKSIDE ROAD, SUITE 300 CLEVELAND, OH 44131 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $3K | $6K | 24.94% |
| EXPRESSLINK GENERAL AGENCY LLC3 Filed as: EXPRESSLINK GENERAL AGENCY | 4200 ROCKSIDE ROAD, SUITE 103 CLEVELAND, OH 44131 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $319 | $319 | 1.33% |
No Schedule C service providers reported on this filing.
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 | 144 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | MEDICAL MUTUAL OF OHIO | 85 | $713K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 91 | $69K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 91 | $69K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 142 | $24K |
| Prescription drug(2 contracts, 2 carriers) | MEDICAL MUTUAL OF OHIO | 85 | $713K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 142 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 142 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.