| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 4200 ROCKSIDE ROAD, SUITE 300 INDEPENDENCE, OH 44131 | COMMUNITY INSURANCE COMPANY | $23K | $2K | $25K | 4.19% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVENUE, SUITE 1500 CLEVELAND, OH 44114 | COMMUNITY INSURANCE COMPANY | — | $7K | $7K | 1.12% |
| ERC SERVICES INC3 | 3333 RICHMOND RD, STE 210 BEACHWOOD, OH 44122 | COMMUNITY INSURANCE COMPANY | $2K | — | $2K | 0.38% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 4200 ROCKSIDE ROAD, SUITE 300 INDEPENDENCE, OH 44131 | MEDICAL MUTUAL | $5K | $2K | $6K | 3.87% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $716 | $10K | 16.33% |
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 | 223 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 225 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | COMMUNITY INSURANCE COMPANY | 96 | $768K |
| Dental(2 contracts, 2 carriers) | COMMUNITY INSURANCE COMPANY | 226 | $660K |
| Vision(2 contracts, 2 carriers) | COMMUNITY INSURANCE COMPANY | 226 | $660K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 226 | $59K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 226 | $59K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 226 | $59K |
| Prescription drug | MEDICAL MUTUAL | 53 | $167K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 226 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 226 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.