| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 4200 ROCKSIDE RD STE 300 INDEPENDENCE, OH 44131 | MEDICAL MUTUAL | $21K | $10K | $31K | 4.59% |
| BARRETT BENEFITS GROUP3 Filed as: BARRETT BENEFITS GROUP INC | PO BOX 46670 BEDFORD, OH 44146 | SUMMA HEALTH | $22K | — | $22K | 3.80% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 4200 ROCKSIDE RD STE 300 CLEVELAND, OH 44131 | PRINCIPAL | $13K | — | $13K | 8.05% |
| THE INDEMNITY GROUP LLC3 | 3628 WALNUT HILLS AVE STE 200 BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE CO | $281 | $875 | $1K | 2.38% |
| BARRETT BENEFITS GROUP3 | PO BOX 46670 BEDFORD, OH 44146 | UNITED OF OMAHA LIFE INSURANCE CO | $447 | — | $447 | 0.92% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 4200 ROCKSIDE RD STE 300 CLEVELAND, OH 44131 | UNITED OF OMAHA LIFE INSURANCE CO | $432 | — | $432 | 0.89% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 4200 ROCKSIDE RD STE 300 CLEVELAND, OH 44131 | UNITED OF OMAHA LIFE INSURANCE CO | $625 | — | $625 | 5.09% |
| THE INDEMNITY GROUP LLC3 | 3628 WALNUT HILLS AVE STE 200 BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE CO | $201 | $415 | $616 | 5.02% |
| BARRETT BENEFITS GROUP3 | PO BOX 46670 BEDFORD, OH 44146 | UNITED OF OMAHA LIFE INSURANCE CO | $401 | — | $401 | 3.27% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 4200 ROCKSIDE RD STE 300 CLEVELAND, OH 44131 | UNITED OF OMAHA LIFE INSURANCE CO | $515 | — | $515 | 7.23% |
| THE INDEMNITY GROUP LLC3 | 3628 WALNUT HILLS AVE STE 200 BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE CO | $190 | $305 | $495 | 6.95% |
| BARRETT BENEFITS GROUP3 Filed as: BARRETT BENEFTIS GROUP | PO BOX 46670 BEDFORD, OH 44146 | UNITED OF OMAHA LIFE INSURANCE CO | $363 | — | $363 | 5.10% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 4200 ROCKSIDE RD STE 300 CLEVELAND, OH 44131 | UNITED OF OMAHA LIFE INSURANCE CO | $539 | — | $539 | 7.66% |
| THE INDEMNITY GROUP LLC3 | 3628 WALNUT HILLS AVE STE 200 BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE CO | $173 | $245 | $418 | 5.94% |
| BARRETT BENEFITS GROUP3 | PO BOX 46670 BEDFORD, OH 44146 | UNITED OF OMAHA LIFE INSURANCE CO | $343 | — | $343 | 4.87% |
| THE INDEMNITY GROUP LLC3 | 3628 WALNUT HILLS AVE STE 200 BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE CO | $111 | $238 | $349 | 5.25% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 4200 ROCKSIDE RD STE 300 CLEVELAND, OH 44131 | UNITED OF OMAHA LIFE INSURANCE CO | $329 | — | $329 | 4.95% |
| BARRETT BENEFITS GROUP3 | PO BOX 46670 BEDFORD, OH 44146 | UNITED OF OMAHA LIFE INSURANCE CO | $225 | — | $225 | 3.39% |
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 | 157 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | MEDICAL MUTUAL | 262 | $1.2M |
| Dental(2 contracts, 2 carriers) | PRINCIPAL | 272 | $210K |
| Vision | PRINCIPAL | 272 | $161K |
| Life insurance(3 contracts, 2 carriers) | PRINCIPAL | 272 | $175K |
| Short-term disability(2 contracts, 2 carriers) | PRINCIPAL | 272 | $173K |
| Long-term disability(2 contracts, 2 carriers) | PRINCIPAL | 272 | $168K |
| Prescription drug(2 contracts, 2 carriers) | MEDICAL MUTUAL | 262 | $1.2M |
| Other | UNITED OF OMAHA LIFE INSURANCE CO | 185 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 272 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.