| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: ONE DIGITAL EXPRESSLINK LLC | 4200 ROCKSIDE RD SUITE 300 INDEPENDENCE, OH 44131 | MEDICAL MUTUAL | $47K | $71K | $118K | 1.85% |
| ALPHA BENEFITS INC3 Filed as: ALPHA BENEFITS INC. | 4200 ROCKSIDE ROAD CLEVELAND, OH 44131 | MEDICAL MUTUAL | $16K | $23K | $39K | 0.61% |
| EXPRESSLINK GENERAL AGENCY LLC3 | 4200 ROCKSIDE RD SUITE 300 CLEVELAND, OH 44131 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $72K | $7K | $79K | 9.63% |
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 | 787 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 787 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL | 617 | $6.4M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 794 | $823K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 794 | $823K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 794 | $823K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 794 | $823K |
| Prescription drug | MEDICAL MUTUAL | 617 | $6.4M |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 794 | $823K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 794 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.