| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 4200 ROCKSIDE ROAD, SUITE 300 INDEPENDENCE, OH 44131 | MEDICAL MUTUAL | $54K | $87K | $142K | 2.00% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM H. HERTZOG | 13700 STATE ROAD, SUITE 6 NORTH ROYALTON, OH 44133 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 4.86% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 200 GALLERIA PARKWAY ATLANTA, GA 30339 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 2.82% |
| PATRICIA HERTZOG3 | 8825 CHAUCER BOULEVARD BROADVIEW HIGHTS, OH 44147 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $36 | $1K | 2.21% |
| KATHERINE BYRNE3 | 7142 ANTHONY LANE PARMA HEIGHTS, OH 44130 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $192 | $0 | $192 | 0.29% |
| GREAT LAKE PERIODICALS INC3 | PO BOX 51 AVON LAKE, OH 44012 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $53 | $2 | $55 | 0.08% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GEORGE HORNE | 3410 MAGNOLIA WAY BROADVIEW HEIGHTS, OH 44147 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $15 | $0 | $15 | 0.02% |
| DAVID L SMELCER3 Filed as: DAVID L. SMELCER | 3137 TOWNSHIP ROAD 97 MCCOMB, OH 45858 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7 | $0 | $7 | 0.01% |
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 | 397 | 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) | 397 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL | 394 | $7.1M |
| Dental | MEDICAL MUTUAL | 394 | $7.1M |
| Vision | MEDICAL MUTUAL | 394 | $7.1M |
| Life insurance(2 contracts, 2 carriers) | MEDICAL MUTUAL | 394 | $7.2M |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 84 | $67K |
| Long-term disability | MEDICAL MUTUAL | 394 | $7.1M |
| Prescription drug | MEDICAL MUTUAL | 394 | $7.1M |
| Other | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 84 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 394 | — |
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.