| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK | 4200 ROCKSIDE ROAD INDEPENDENCE, OH 44131 | MEDICAL MUTUAL | $41K | $13K | $54K | 6.97% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK | 4200 ROCKSIDE ROAD INDEPENDENCE, OH 44131 | HARTFORD LIFE AND ACCIDENT | $9K | $4K | $13K | 15.00% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK | 200 GALLERIA PARKWAY, SUITE 1950 ATALNTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $738 | $4K | 12.63% |
| CGI VOLUNTARY BENEFITS, INC.3 Filed as: CGI VOLUNTARY BENEFITS INC. | 20046 WALKER ROAD, SUITE 5 SHAKER HEIGHTS, OH 44121 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $473 | $0 | $473 | 3.28% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK | 4200 ROCKSIDE ROAD INDEPENDENCE, OH 44131 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $180 | $0 | $180 | 1.25% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY, SUITE 1950 ATALNTA, GA 30339 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $173 | $0 | $173 | 1.20% |
| DAVID CAMPANA INSURANCE LTD3 Filed as: DAVID CAMPANA INS. LTD | 341 COPPER CREEK AMHERST, OH 44001 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $41 | $0 | $41 | 0.28% |
| STARR SAMUEL FOREST JR.3 | 111 WEST ERIE STREET JEFFERSON, OH 44047 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $20 | $0 | $20 | 0.14% |
| MJ INSURANCE3 Filed as: MARLA MANGIONE AND VARIOUS AGENTS | 23453 WOODVIEW DRIVE NORTH OLMSTED, OH 44070 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15 | $0 | $15 | 0.10% |
| MAIA LABOW3 | 666 DUNDEE ROAD, SUITE 1603 NORTHBROOK, IL 60062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7 | $0 | $7 | 0.05% |
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 | 102 | 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) | 102 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL | 83 | $774K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 66 | $34K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 102 | $103K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 102 | $88K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 102 | $88K |
| Prescription drug | MEDICAL MUTUAL | 83 | $774K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 102 | $103K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 102 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.