| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 4200 ROCKSIDE ROAD STE 300 CLEVELAND, OH 44131 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $42K | $42K | 2.45% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OH, INC. | 6450 ROCKSIDE WOODS BLVD SUITE 250 INDEPENDENCE, OH 44131 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $7K | $7K | 0.40% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 4200 ROCKSIDE ROAD, SUITE 300 INDEPENDENCE, OH 44131 | MEDMUTUAL LIFE INSURANCE COMPANY | $10K | $4K | $15K | 16.06% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 4200 ROCKSIDE ROAD, SUITE 300 INDEPENDENCE, OH 44131 | MEDMUTUAL LIFE INSURANCE COMPANY | $7K | $4K | $11K | 13.82% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 4200 ROCKSIDE ROAD, SUITE 300 INDEPENDENCE, OH 44131 | MEDICAL MUTUAL | $656 | $8 | $664 | 10.26% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA EIN 59-1031071 SERVICE PROVIDER | Contract Administrator Service code 13 | — | $49K |
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 | 151 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 229 | $1.7M |
| Vision | MEDICAL MUTUAL | 160 | $6K |
| Life insurance(2 contracts) | MEDMUTUAL LIFE INSURANCE COMPANY | 260 | $173K |
| Short-term disability(2 contracts) | MEDMUTUAL LIFE INSURANCE COMPANY | 260 | $173K |
| Long-term disability(2 contracts) | MEDMUTUAL LIFE INSURANCE COMPANY | 260 | $173K |
| Other(2 contracts) | MEDMUTUAL LIFE INSURANCE COMPANY | 260 | $173K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 260 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.