| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALPHA BENEFITS INC3 | 4200 ROCKSIDE RD STE 300 INDEPENDENCE, OH 44131 | MEDICAL MUTUAL | $45K | $35K | $80K | 3.34% |
| ALPHA BENEFITS INC3 Filed as: ALPHA BENEFITS | 4200 ROCKSIDE RD INDEPENDENCE, OH 44131 | DELTA DENTAL | $6K | — | $6K | 3.10% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | DELTA DENTAL | $3K | — | $3K | 1.64% |
| EXPRESSLINK GENERAL AGENCY LLC3 | 4200 ROCKSIDE RD STE 103 CLEVELAND, OH 44131 | METROPOLITAN LIFE INSURANCE CO. | $3K | — | $3K | 3.32% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES J VITOU | 20148 DETROIT ROCKY RIVER, OH 44116 | METROPOLITAN LIFE INSURANCE CO. | $1K | — | $1K | 1.93% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPESSLINK LLC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | METROPOLITAN LIFE INSURANCE CO. | $975 | — | $975 | 1.26% |
| ALPHA PROPERTY & CASUALTY INC3 Filed as: THE ALPHA GROUP AGENCY INC. | 25000 CENTER RIDGE RD WESTLAKE, OH 441451405 | VSP | $1K | — | $1K | 4.82% |
| CAPITOL AMERICAN LIFE INS. CO3 | 11815 NORTH PENNSYLVANIA ST CARMEL, IN 46032 | WASHINGTON NATIONAL | $159 | — | $159 | 19.58% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| S&S WELLNESS DBA BE WELL SOLUTIONS EIN 20-4367389 | Other services Service code 49 | — | $16K |
| EASE@WORK EAP LLC EIN 84-2155092 | Other services Service code 49 | — | $6K |
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 | 275 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 278 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL | 186 | $2.4M |
| Dental | DELTA DENTAL | 504 | $197K |
| Vision | VSP | 108 | $28K |
| Life insurance | METROPOLITAN LIFE INSURANCE CO. | 232 | $77K |
| Long-term disability | METROPOLITAN LIFE INSURANCE CO. | 232 | $77K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE CO. | 232 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 504 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.