| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALPHA BENEFITS INC3 | 4200 ROCKSIDE ROAD SUITE 300 INDEPENDENCE, OH 44131 | COMMUNITY INSURANCE COMPANY | $42K | — | $42K | 2.06% |
| ALPHA BENEFITS INC3 Filed as: ALPHA BENEFITS, INC. | 4200 ROCKSIDE ROAD INDEPENDENCE, OH 44131 | DELTA DENTAL OF OHIO | $8K | — | $8K | 4.36% |
| EXPRESSLINK GENERAL AGENCY LLC3 | 4200 ROCKSIDE ROAD SUITE 103 CLEVELAND, OH 44131 | UNION SECURITY INSURANCE COMPANY | — | $4K | $4K | 7.33% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES J VITOU | 623 WEST SAINT CLAIR AVENUE CLEVELAND, OH 44113 | UNION SECURITY INSURANCE COMPANY | $3K | — | $3K | 5.96% |
| GEORGE R BLAHA3 | 623 WEST SAINT CLAIR AVENUE CLEVELAND, OH 44113 | UNION SECURITY INSURANCE COMPANY | $3K | — | $3K | 5.96% |
| ALPHA PROPERTY & CASUALTY INC3 Filed as: THE ALPHA GROUP AGENCY INC. | 25000 CENTER RIDGE ROAD WESTLAKE, OH 44145 | VISION SERVICE PLAN | $1K | — | $1K | 5.68% |
| CAPITOL AMERICAN LIFE INS. CO3 | 11815 N PENNSYLVANIA ST CARMEL, IN 46032 | WASHINGTON NATIONAL | $178 | — | $178 | 14.38% |
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 | 230 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 237 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 176 | $2.0M |
| Dental | DELTA DENTAL OF OHIO | 490 | $176K |
| Vision | VISION SERVICE PLAN | 87 | $20K |
| Life insurance | UNION SECURITY INSURANCE COMPANY | 192 | $55K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 192 | $55K |
| Other(3 contracts, 3 carriers) | UNION SECURITY INSURANCE COMPANY | 192 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 490 | — |
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."
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.