| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 4200 ROCKSIDE RD STE 103 INDEPENDENCE, OH 44131 | ANTHEM BLUE CROSS | $47K | $2K | $50K | 2.30% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVENUE SUITE 1500 CLEVELAND, OH 44114 | ANTHEM BLUE CROSS | — | $21K | $21K | 0.96% |
| ERC SERVICES INC3 | 3333 RICHMOND RD, STE 210 BEACHWOOD, OH 44122 | ANTHEM BLUE CROSS | $7K | — | $7K | 0.33% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | GUARDIAN | $16K | $10K | $25K | 19.95% |
| DANIEL R BRYANT3 Filed as: DANIEL BRYANT | 2644 LARCHVIEW DR PAINSVILLE, OH 440774936 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 8.70% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303393182 | CONTINENTAL AMERICAN INSURANCE COMPANY | $694 | — | $694 | 5.13% |
| PROMISE BENEFITS LIMITED3 | 2644 LARCHVIEW DR PAINSVILLE, OH 44077 | CONTINENTAL AMERICAN INSURANCE COMPANY | $688 | — | $688 | 5.08% |
| WILLIAM JAY MOTHERSBAUGH3 | 13705 PINEY HOLLOW LANE PAINSVILLE, OH 44077 | CONTINENTAL AMERICAN INSURANCE COMPANY | $259 | — | $259 | 1.91% |
| CHARLES HOWARD JOBE3 | 8421 EVERGREEN DR SAGAMORE HILLS, OH 440671076 | CONTINENTAL AMERICAN INSURANCE COMPANY | $212 | — | $212 | 1.57% |
| MAKOWSKI INS AGCY INC3 Filed as: MAKOWSKI INS AGENCY INC | 9404 WOODCHIP LANE BROADVIEW HTS, OH 44147 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16 | — | $16 | 0.12% |
| BRIAN FRIEDMAN3 | 18009 HILLGROVE AVE CLEVELAND, OH 441192025 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14 | — | $14 | 0.10% |
| MARIE E BRYANT3 Filed as: MARIE ELEANA BRYANT | 2644 LARCHVIEW DR PAINSVILLE, OH 440774936 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | — | $9 | 0.07% |
| JEFFREY A MAKOWSKI3 | 9404 WOODCHIP LANE BROADVIEW HTS, OH 44147 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.04% |
| DAVID A COSENTINO3 Filed as: DAVID ANTHONY COSENTINO | 61 SCUPPER LN NORTHFIELD, OH 440673023 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.03% |
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 | 159 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ANTHEM BLUE CROSS | 151 | $2.2M |
| Dental(2 contracts, 2 carriers) | ANTHEM BLUE CROSS | 235 | $2.3M |
| Vision(2 contracts, 2 carriers) | ANTHEM BLUE CROSS | 235 | $2.3M |
| Life insurance | GUARDIAN | 235 | $127K |
| Long-term disability | GUARDIAN | 235 | $127K |
| Other(2 contracts, 2 carriers) | GUARDIAN | 235 | $140K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 235 | — |
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.