| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 4200 ROCKSIDE ROAD, #300 INDEPENDENCE, OH 44131 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $43K | — | $43K | 9.92% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 4200 ROCKSIDE ROAD, #300 CLEVELAND, OH 44131 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $27K | $3K | $30K | 15.12% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ONEDIGITAL EXPRESSLINK LLC EIN 13-5123390 SERVICE PROVIDER | Contract Administrator; Recordkeeping fees Service code 13 | 4200 ROCKSIDE RD, SUITE 300 CLEVELAND, OH 44131 | $30K |
| CIGNA HEALTH AND LIFE INSURANCE EIN 59-1031071 SERVICE PROVIDER | Direct payment from the plan; Non-monetary compensation; Other services; Contract Administrator; Float revenue; Participant communication; Named fiduciary; Claims processing Service code 12 | 900 COTTAGE GROVE ROAD BLOOMFIELD, CT 06002 | $20K |
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 | 161 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 161 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 134 | $430K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 161 | $198K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 161 | $198K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 161 | $198K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 161 | $198K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 161 | $198K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 161 | $198K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 161 | — |
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.