| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE Filed as: ONEDIGITAL EXPRESSLINK LLC | 4200 ROCKSIDE RD STE 300 INDEPENDENCE, OH 44131 | MEDICAL MUTUAL OF OHIO | $33K | $21K | $54K | 2.08% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BENEFIT SERVICES INC | 323 W LAKESIDE AVE STE 410 CLEVELAND, OH 44113 | MEDICAL MUTUAL OF OHIO | $15K | $129 | $16K | 0.59% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE CO | $3K | $5K | $8K | 10.40% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF RD ROLLING MEADOWS, IL 60008 | UNITED OF OMAHA LIFE INSURANCE CO | — | $2K | $2K | 2.98% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 1111 SUPERIOR AVE E STE 1601 CLEVELAND, OH 44114 | UNITED OF OMAHA LIFE INSURANCE CO | $2K | — | $2K | 2.09% |
| ENROLLEASE Filed as: ONEDIGITAL EXPRESS LINK | 4200 ROCKSIDE RD STE 300 INDEPENDENCE, OH 44131 | CONSUMER LIFE INSURANCE COMPANY | $2K | $743 | $3K | 13.10% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BENEFIT SERVICES INC | 323 W LAKESIDE AVE STE 410 CLEVELAND, OH 44113 | CONSUMER LIFE INSURANCE COMPANY | $759 | $375 | $1K | 5.00% |
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 | 232 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 232 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL OF OHIO | 198 | $2.6M |
| Dental | MEDICAL MUTUAL OF OHIO | 198 | $2.6M |
| Life insurance | CONSUMER LIFE INSURANCE COMPANY | 232 | $23K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE CO | 217 | $80K |
| Prescription drug | MEDICAL MUTUAL OF OHIO | 198 | $2.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 232 | — |
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.