| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALPHA BENEFITS INC3 | 4200 ROCKSIDE ROAD SUITE 300 CLEVELAND, OH 44131 | MEDICAL MUTUAL OF OHIO | $25K | $33K | $59K | 4.57% |
| EXPRESSLINK GENERAL AGENCY LLC | 4200 ROCKSIDE ROAD SUITE 103 CLEVELAND, OH 44131 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13K | $5K | $18K | 18.30% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE SUITE 1500 CLEVELAND, OH 44114 | COMMUNITY INSURANCE COMPANY | $448 | — | $448 | 4.47% |
| ALPHA BENEFITS INC3 | 4200 ROCKSIDE ROAD SUITE 300 INDEPENDENCE, OH 44131 | COMMUNITY INSURANCE COMPANY | $123 | — | $123 | 1.23% |
| ERC SERVICES INC3 | 387 GOLF VIEW LANE SUITE 100 HIGHLAND HEIGHTS, OH 44143 | COMMUNITY INSURANCE COMPANY | -$5 | — | -$5 | -0.05% |
| ALPHA BENEFITS INC3 | 4200 ROCKSIDE ROAD SUITE 300 INDEPENDENCE, OH 44131 | UDC OF OHIO, INC. | $594 | $0 | $594 | 9.99% |
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 | 206 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 206 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | MEDICAL MUTUAL OF OHIO | 320 | $1.3M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 209 | $98K |
| Vision | COMMUNITY INSURANCE COMPANY | 320 | $10K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 209 | $98K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 209 | $98K |
| Prescription drug | MEDICAL MUTUAL OF OHIO | 136 | $1.3M |
| Other(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 209 | $104K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 320 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.