| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLAIMLINX, LLC3 Filed as: CLAIMLINX | 10260 ALLIANCE RD. SUITE 325 CINCINNATI, OH 45242 | OPTIMYL BENEFITS | $5K | — | $5K | 7.00% |
| CLAIMLINX, LLC3 Filed as: CLAIMLINX | 10260 ALLIANCE RD. SUITE 325 CINCINNATI, OH 45242 | OPTIMYL BENEFITS | $4K | — | $4K | 7.00% |
| CLAIMLINX, LLC3 Filed as: CLAIMLINX LLC | 10260 ALLIANCE ROAD, STE. 130 CINCINNATI, OH 45242 | GUARDIAN LIFE INSURANCE | $6K | — | $6K | 11.97% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CLAIMLINX EIN 36-3403079 NONE | Claims processing; Other services; Contract Administrator Service code 12 | 10230 ALLIANCE ROAD SUITE 325 CINCINNATI, OH 45242 | $12K |
| STAR MARKETING & ADMINISTRATION,IN EIN 36-3403079 NONE | Claims processing; Other services; Plan Administrator Service code 12 | — | $7K |
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 | 127 | 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) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | OPTIMYL BENEFITS | 23 | $130K |
| Dental(2 contracts) | OPTIMYL BENEFITS | 23 | $130K |
| Vision | GUARDIAN LIFE INSURANCE | 75 | $48K |
| Life insurance | GUARDIAN LIFE INSURANCE | 75 | $48K |
| Other | GUARDIAN LIFE INSURANCE | 75 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 75 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.