| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | — | MEDICAL MUTUAL OF OHIO | $91K | $82K | $172K | 3.15% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM H HERTZOG | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $10 | $3K | 3.73% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 1.88% |
| PATRICIA HERTZOG3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $636 | $10 | $646 | 0.92% |
| KATHLEEN BYRNE3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $248 | — | $248 | 0.35% |
| DEBORAH S GOLDEN3 Filed as: DEBORAH A WILHITE | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $97 | — | $97 | 0.14% |
| SHARON SIMPSON MCCLENDON3 Filed as: SHARON M IGNASIAK | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $61 | — | $61 | 0.09% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GEORGE HORNE | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 0.03% |
| DAVID L SMELCER3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.01% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | — | GUARDIAN LIFE INSURANCE COMPANY, INC. | $536 | $264 | $800 | 5.97% |
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 | 544 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 544 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL OF OHIO | 346 | $5.5M |
| Dental | MEDICAL MUTUAL OF OHIO | 346 | $5.5M |
| Vision | MEDICAL MUTUAL OF OHIO | 346 | $5.5M |
| Life insurance(2 contracts, 2 carriers) | MEDICAL MUTUAL OF OHIO | 346 | $5.5M |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 544 | $84K |
| Long-term disability | MEDICAL MUTUAL OF OHIO | 346 | $5.5M |
| Prescription drug | MEDICAL MUTUAL OF OHIO | 346 | $5.5M |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 89 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 544 | — |
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.