| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: ONE DIGITAL EXPRESSLINK LLC | 4200 ROCKSIDE RD SST 103 INDEPENDENCE, OH 44131 | ANTHEM BLUE CROSS | $48K | $4K | $52K | 3.08% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVENUE SUITE 1500 CLEVELAND, OH 44114 | ANTHEM BLUE CROSS | — | $19K | $19K | 1.11% |
| ERC SERVICES INC3 | 387 GOLF VIEW LANE STE 100 HIGHLAND HTS, OH 44143 | ANTHEM BLUE CROSS | $9K | — | $9K | 0.52% |
| DIGITAL INSURANCE LLC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | CONTINENTAL AMERICAN INSURANCE COMPANY | $317 | — | $317 | 2.67% |
| PROMISE BENEFITS LIMITED | 964 JOHN GLENN DR SEVEN HILLS, OH 44131 | CONTINENTAL AMERICAN INSURANCE COMPANY | $122 | — | $122 | 1.03% |
| DANIEL R BRYANT | 964 JOHN GLENN DR SEVEN HILLS, OH 44131 | CONTINENTAL AMERICAN INSURANCE COMPANY | $96 | — | $96 | 0.81% |
| CHARLES HOWARD JOBE Filed as: CHARLES H JOBE | 6852 AMHERST DRIVE APT 2108 SAGAMORE HILLS, OH 44067 | CONTINENTAL AMERICAN INSURANCE COMPANY | $40 | — | $40 | 0.34% |
| MAKOWSKI INS AGCY INC Filed as: MAKOWSKI INSURANCE AGENCY INC | 9404 WOODCHIP LN BROADVIEW HTS, OH 44147 | CONTINENTAL AMERICAN INSURANCE COMPANY | $31 | — | $31 | 0.26% |
| MARIE E BRYANT | 964 JOHN GLENN DR SEVEN HILLS, OH 44131 | CONTINENTAL AMERICAN INSURANCE COMPANY | $19 | — | $19 | 0.16% |
| DAVID A COSENTINO | 61 SCUPPER LN STE 125 NORTHFILED, OH 44067 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17 | — | $17 | 0.14% |
| CHARLES HOWARD JOBE Filed as: CHARLES H JOBE | 8421 EVERGREEN DR SAGAMORE HILLS, OH 44067 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.04% |
| ALPHA BENEFITS INC3 | 4200 ROCKSIDE RD STE 300 INDEPENDENCE, OH 44131 | SUN LIFE ASSURANCE COMPANY OF CANADA | $236 | — | $236 | 13.02% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 200 GALLARIA PKWY SE SUITE 1950 ATLANTA, GA 30339 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $192 | $192 | 10.60% |
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 | 214 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 215 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM BLUE CROSS | 215 | $1.7M |
| Dental(2 contracts, 2 carriers) | ANTHEM BLUE CROSS | 215 | $1.7M |
| Vision | ANTHEM BLUE CROSS | 215 | $1.7M |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 19 | $12K |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 19 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 215 | — |
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.
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.