| 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 | $45K | $3K | $48K | 2.51% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVENUE SUITE 1500 CLEVELAND, OH 44114 | ANTHEM BLUE CROSS | — | $19K | $19K | 1.00% |
| ERC SERVICES INC3 | 387 GOLF VIEW LANE STE 100 HIGHLAND HTS, OH 44143 | ANTHEM BLUE CROSS | $17K | — | $17K | 0.92% |
| ENROLLEASE Filed as: ONEDIGITAL EXPRESSLINK LLC | 200 GALLERIA PKWY SE SUITE 1950 ATLANTA, GA 30339 | GUARDIAN | $14K | $3K | $17K | 16.02% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | CONTINENTAL AMERICAN INSURANCE COMPANY | $312 | — | $312 | 2.56% |
| DANIEL R BRYANT3 | 964 JOHN GLENN DR SEVEN HILLS, OH 44131 | CONTINENTAL AMERICAN INSURANCE COMPANY | $295 | — | $295 | 2.42% |
| PROMISE BENEFITS LIMITED3 | 964 JOHN GLENN DR SEVEN HILLS, OH 44131 | CONTINENTAL AMERICAN INSURANCE COMPANY | $234 | — | $234 | 1.92% |
| MAKOWSKI INS AGCY INC3 Filed as: MAKOWSKI INSURANCE AGENCY INC | 9404 WOODCHIP LN BROADVIEW HTS, OH 44147 | CONTINENTAL AMERICAN INSURANCE COMPANY | $60 | — | $60 | 0.49% |
| WILLIAM JAY MOTHERSBAUGH3 Filed as: WILLIAM J MOTHERSBAUGH | 13705 PINEY HOLLOW LANE PAINESVILLE, OH 44077 | CONTINENTAL AMERICAN INSURANCE COMPANY | $46 | — | $46 | 0.38% |
| CHARLES HOWARD JOBE3 Filed as: CHARLES H JOBE | 8421 EVERGREEN DR SAGAMORE HILLS, OH 44067 | CONTINENTAL AMERICAN INSURANCE COMPANY | $42 | — | $42 | 0.34% |
| DAVID A COSENTINO3 | 61 SCUPPER LN STE 125 NORTHFILED, OH 44067 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | — | $11 | 0.09% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 4200 ROCKSIDE ROAD STE 103 INDEPENDENCE, OH 44131 | ANTHEM LIFE INSURANCE COMPANY | $2K | $772 | $3K | 22.41% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 200 GALLERIA PKWY SE SUITE 1950 ATLANTA, GA 30339 | SUN LIFE ASSURANCE COMPANY OF CANADA | $367 | $141 | $508 | 11.63% |
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 | 148 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM BLUE CROSS | 147 | $1.9M |
| Dental(3 contracts, 3 carriers) | ANTHEM BLUE CROSS | 255 | $2.0M |
| Vision(2 contracts, 2 carriers) | ANTHEM BLUE CROSS | 255 | $2.0M |
| Life insurance | GUARDIAN | 255 | $105K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 268 | $12K |
| Long-term disability(2 contracts, 2 carriers) | GUARDIAN | 255 | $116K |
| Other(2 contracts, 2 carriers) | GUARDIAN | 268 | $117K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 268 | — |
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.