| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALPHA BENEFITS INC3 Filed as: ALPHA BENEFITS INC. | 4200 ROCKSIDE RD., STE 300 CLEVELAND, OH 44131 | MEDICAL MUTUAL | $19K | $14K | $33K | 7.60% |
| ALPHA BENEFITS INC3 Filed as: ALPHA BENEFITS INC. | 4200 ROCKSIDE RD #300 INDEPENDENCE, OH 44131 | COMMUNITY INSURANCE COMPANY | $9K | $2K | $11K | 7.04% |
| ALPHA BENEFITS INC3 | 4200 ROCKSIDE RD #300 INDEPENDENCE, OH 44131 | COMMUNITY INSURANCE COMPANY | $3K | — | $3K | 7.36% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 4400 EASTON COMMONS WAY, SUITE 125 COLUMBUS, OH 43219 | COMMUNITY INSURANCE COMPANY | $228 | — | $228 | 0.64% |
| ALPHA BENEFITS INC3 | 4200 ROCKSIDE RD STE 300 CLEVELAND, OH 44131 | UNITED OF OMAHA LIFE INSURANCE | $4K | $2K | $6K | 22.21% |
| ALPHA BENEFITS INC3 | 4200 ROCKSIDE RD #300 INDEPENDENCE, OH 44131 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $6K | 25.37% |
| ALPHA BENEFITS INC3 | 4200 ROCKSIDE RD STE 103 CLEVELAND, OH 44131 | UNITED OF OMAHA LIFE INSURANCE | $1K | $1K | $3K | 25.86% |
| ALPHA BENEFITS GROUP INC3 Filed as: ALPHA BENEFITS AGENCY INC | 4200 ROCKSIDE RS STE 300 INDEPENDENCE, OH 44131 | UNITED HEALTHCARE INSURANCE COMPANY | $766 | — | $766 | 10.90% |
| ALPHA BENEFITS INC3 | 4200 ROCKSIDE RD #300 INDEPENDENCE, OH 44131 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $698 | $608 | $1K | 18.70% |
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 | 114 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | MEDICAL MUTUAL | 92 | $604K |
| Dental | COMMUNITY INSURANCE COMPANY | 84 | $36K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE | 114 | $35K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 35 | $22K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE | 114 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 114 | — |
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.