| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HR BENEFITS SERVICES, INC.3 Filed as: DS BENEFITS GROUP LLC | 3555 RESERVE COMMONS DR MEDINA, OH 44256 | MEDICAL MUTUAL | $46K | $18K | $64K | 10.79% |
| HR BENEFITS SERVICES, INC.3 Filed as: DS BENEFITS GROUP LLC | 3555 RESERVE COMMONS DR MEDINA, OH 44256 | STARMOUNT LIFE INSURANCE COMPANY | $5K | — | $5K | 5.41% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PARKWAY ATLANTA, GA 30339 | STARMOUNT LIFE INSURANCE COMPANY | $217 | — | $217 | 0.25% |
| HR BENEFITS SERVICES, INC.3 Filed as: DS BENEFITS GROUP LLC | 3555 RESERVE COMMONS DR MEDINA, OH 442565900 | UNITED OF OMAHA LIFE INSURANCE CO | $4K | — | $4K | 8.66% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 4200 ROCKSIDE RD STE 300 CLEVELAND, OH 441312530 | UNITED OF OMAHA LIFE INSURANCE CO | — | $2K | $2K | 5.00% |
| HR BENEFITS SERVICES, INC.3 Filed as: DS BENEFITS GROUP LLC | 3555 RESERVE COMMONS DR MEDINA, OH 442565900 | UNITED OF OMAHA LIFE INSURANCE CO | $3K | — | $3K | 15.00% |
| ENROLLEASE3 Filed as: ONE DIGITAL EXPRESSLINK LLC | 4200 ROCKSIDE RD STE 300 CLEVELAND, OH 441312530 | UNITED OF OMAHA LIFE INSURANCE CO | — | $1K | $1K | 5.00% |
| HR BENEFITS SERVICES, INC.3 Filed as: DS BENEFITS GROUP LLC | 3555 RESERVE COMMONS DR MEDINA, OH 442565900 | UNITED OF OMAHA LIFE INSURANCE CO | $503 | — | $503 | 10.00% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 4200 ROCKSIDE RD STE 300 CLEVELAND, OH 441312530 | UNITED OF OMAHA LIFE INSURANCE CO | — | $252 | $252 | 5.01% |
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 | 153 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL | 132 | $593K |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 107 | $87K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 107 | $87K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE CO | 0 | $25K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE CO | 0 | $41K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE CO | 0 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 132 | — |
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.