| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | — | COMMUNITY INSURANCE COMPANY (G1728) | $129K | $9K | $137K | 2.62% |
| ZIOTA PLANS INC3 Filed as: ZIOTA PLANS INC. | — | COMMUNITY INSURANCE COMPANY (G1728) | $39 | — | $39 | 0.00% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM H HERTZOG | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $1K | $4K | 3.86% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $712 | $2K | 1.94% |
| KATHLEEN BYRNE3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $742 | $495 | $1K | 1.31% |
| PATRICIA HERTZOG3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $440 | $264 | $704 | 0.75% |
| VALENE M WOLFE3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $126 | $60 | $186 | 0.20% |
| DEBORAH S GOLDEN3 Filed as: DEBORAH A WILHITE | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $81 | $66 | $147 | 0.16% |
| SHARON SIMPSON MCCLENDON3 Filed as: SHARON M IGNASIAK | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | $49 | $80 | 0.09% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GEORGE HORNE | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | $7 | $25 | 0.03% |
| DAVID J MCCLELLAN3 Filed as: DAVID LEE SMELTZER | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $3 | $13 | 0.01% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | — | GUARDIAN LIFE INSURANCE COMPANY, INC. | $632 | $247 | $879 | 5.56% |
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 | 388 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 388 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY (G1728) | 388 | $5.2M |
| Dental | COMMUNITY INSURANCE COMPANY (G1728) | 388 | $5.2M |
| Vision | COMMUNITY INSURANCE COMPANY (G1728) | 388 | $5.2M |
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 109 | $94K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 109 | $94K |
| Prescription drug | COMMUNITY INSURANCE COMPANY (G1728) | 388 | $5.2M |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 109 | $94K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 534 | — |
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.