| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALPHA BENEFITS INC3 Filed as: ALPHA BENEFITS INC. | 4200 ROCKSIDE RD. STE 300 CLEVELAND, OH 44131 | MEDICAL MUTUAL | $32K | $15K | $47K | 7.22% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 4200 ROCKSIDE RD CLEVELAND, OH 44131 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | $3K | $10K | 15.84% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 4200 ROCKSIDE RD CLEVELAND, OH 44131 | SUN LIFE ASSURANCE COMPANY OF CANADA | $849 | $2K | $3K | 11.26% |
| ALPHA BENEFITS INC3 | 4200 ROCKSIDE RD STE 300 INDEPENDENCE, OH 44131 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 5.81% |
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 | 104 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL | 85 | $644K |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 67 | $28K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 67 | $28K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 105 | $63K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 105 | $63K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 105 | $63K |
| Prescription drug | MEDICAL MUTUAL | 85 | $644K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 105 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 105 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.