| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | — | MEDICAL MUTUAL OF OHIO | $85K | $78K | $163K | 3.13% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | — | GUARDIAN LIFE INSURANCE COMPANY, INC. | $515 | $514 | $1K | 8.00% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM H HERTZOG | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $12 | $3K | — |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | — |
| PATRICIA HERTZOG3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $636 | $8 | $644 | — |
| KATHLEEN BYRNE3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $301 | — | $301 | — |
| DEBORAH S GOLDEN3 Filed as: DEBORAH A WILHITE | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $110 | — | $110 | — |
| VALERIE MARQUEZ BLANCO3 Filed as: VALERIE M WOLFE | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $88 | — | $88 | — |
| SHARON SIMPSON MCCLENDON3 Filed as: SHARON M IGNASIAK | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $61 | — | $61 | — |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GEORGE HORNE | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | — | $24 | — |
| DAVID L SMELCER3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | — |
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 | 517 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 517 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL OF OHIO | 354 | $5.2M |
| Dental | MEDICAL MUTUAL OF OHIO | 354 | $5.2M |
| Vision | MEDICAL MUTUAL OF OHIO | 354 | $5.2M |
| Life insurance(2 contracts, 2 carriers) | MEDICAL MUTUAL OF OHIO | 354 | $5.2M |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 97 | $0 |
| Long-term disability | MEDICAL MUTUAL OF OHIO | 354 | $5.2M |
| Prescription drug | MEDICAL MUTUAL OF OHIO | 354 | $5.2M |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 97 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 517 | — |
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.
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.