| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 4200 ROCKSIDE ROAD, SUITE 300 INDEPENDENCE, OH 44131 | MEDICAL MUTUAL | $60K | $10K | $70K | 6.99% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK | 200 GALLERIA PKWY, SE, STE 1950 ATLANTA, GA 303395946 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $21 | $7K | 4.22% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INS INC | 200 GALLERIA PKWY, SE, STE 1950 ATLANTA, GA 303395946 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $2K | $6K | 3.52% |
| HR BENEFITS SERVICES, INC.3 Filed as: DS BENEFITS GROUP LLC | 3555 RESERVE COMMONS DRIVE MEDINA, OH 442565900 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 0.83% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 200 GALLERIA PKWY, SE, STE 1950 ATLANTA, GA 303395946 | METROPOLITAN LIFE INSURANCE COMPANY | $97 | $21 | $118 | 0.07% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF OHIO LLC | 3900 KINROSS LAKES PKWY, STE 300 RICHFIELD, OH 44286 | SUN LIFE ASSURANCE COMPANY OF CANADA | $35K | $0 | $35K | 25.08% |
| TIMOTHY T. DOYLE3 | 28217 WOLF ROAD CLEVELAND, OH 44140 | NORTHWESTERN MUTUAL | $5K | $1K | $6K | 5.86% |
| JCE FINANCIAL GROUP3 | 950 MAIN AVENUE, SUITE 600 CLEVELAND, OH 44113 | NORTHWESTERN MUTUAL | $1K | $122 | $1K | 1.05% |
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 | 308 | 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) | 308 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL | 302 | $1.0M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 483 | $163K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 483 | $301K |
| Long-term disability | NORTHWESTERN MUTUAL | 153 | $109K |
| Prescription drug | MEDICAL MUTUAL | 302 | $1.0M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 483 | $163K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 483 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.