| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| R L KING INSURANCE AGENCY INC3 Filed as: R L KING INSURANCE AGENCY | PO BOX 1265 7723 AIRPORT HIGHWAY F HOLLAND, OH 43528 | MEDICAL MUTUAL | $30K | $32K | $62K | 4.13% |
| USI INSURANCE SERVICES LLC3 | 312 ELM ST 24 FLOOR CINCINNATI, OH 45202 | MEDICAL MUTUAL | $22K | $17 | $22K | 1.49% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 4200 ROCKSIDE RD 10 CLEVELAND, OH 44131 | GAURDIAN | $4K | — | $4K | 8.76% |
| USI INSURANCE SERVICES LLC3 | 2375 E CAMELBACK RD SUITE 250 PHOENIX, AZ 85018 | GAURDIAN | $2K | — | $2K | 4.64% |
| ENROLLEASE7 Filed as: ONEDIGITAL EXPRESSLINK LLC | 4200 ROCKSIDE RD 10 CLEVELAND, OH 44131 | GAURDIAN | — | $1K | $1K | 2.85% |
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 | 190 | 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) | 190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | MEDICAL MUTUAL | 190 | $1.5M |
| Life insurance(2 contracts, 2 carriers) | GAURDIAN | 190 | $42K |
| Short-term disability | GAURDIAN | 190 | $42K |
| Long-term disability(2 contracts, 2 carriers) | GAURDIAN | 190 | $42K |
| Prescription drug | MEDICAL MUTUAL | 156 | $1.5M |
| Other | LINCOLN NATIONAL LIFE INSURANCE COMPANY(TERMINATERD COVERAGE 6/30/18) | 178 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 190 | — |
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.
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.