| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY ATLANTA, GA 30339 | CIGNA | $42K | — | $42K | 6.85% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 4200 ROCKSIDE ROAD INDEPENDENCE, OH 44131 | MEDICAL MUTUAL | $9K | $6K | $15K | 3.93% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 4200 ROCKSIDE ROAD STE 300 CLEVELAND, OH 441312530 | PRINCIPAL | $14K | $7K | $21K | 12.45% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 4200 ROCKSIDE ROAD STE 300 CLEVELAND, OH 44131 | PRINCIPAL | $14K | — | $14K | 8.45% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE ATLANTA, GA 30339 | PRINCIPAL | $7K | $5K | $13K | 7.61% |
| ALPHA BENEFITS GROUP INC3 Filed as: ALPHA BENEFITS AGENCY INC | 4200 ROCKSIDE ROAD STE 300 INDPENDENCE, OH 441312530 | UNITED HEALTHCARE | $2K | $750 | $3K | 5.90% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE EIN 59-1031071 | Non-monetary compensation; Direct payment from the plan; Contract Administrator; Other services; Participant communication; Named fiduciary; Claims processing; Float revenue Service code 12 | — | $38K |
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 | 125 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | CIGNA | 293 | $1.0M |
| Dental(2 contracts) | PRINCIPAL | 342 | $335K |
| Vision(2 contracts) | PRINCIPAL | 342 | $335K |
| Life insurance(2 contracts) | PRINCIPAL | 342 | $335K |
| Short-term disability(2 contracts) | PRINCIPAL | 342 | $335K |
| Long-term disability(2 contracts) | PRINCIPAL | 342 | $335K |
| Prescription drug | MEDICAL MUTUAL | 124 | $384K |
| Other | PRINCIPAL | 342 | $170K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 342 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.