| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALPHA BENEFITS INC3 Filed as: ALPHA BENEFITS, INC. | 4200 ROCKSIDE ROAD, SUITE 300 CLEVELAND, OH 44131 | ALPHA BENEFITS, INC. | $32K | $0 | $32K | 3.11% |
| EXPRESSLINK GENERAL AGENCY LLC3 | 4200 ROCKSIDE ROAD, SUITE 103 CLEVELAND, OH 44131 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | $5K | $15K | 14.42% |
| LIFETIME FINANCIAL GROWTH OF N3 Filed as: LIFETIME FINANCAIL GROWTH | 24500 CAGRIN BOULEVARD BEACHWOOD, OH 44122 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14 | $0 | $14 | 0.01% |
| TIMOTHY W MILLER3 Filed as: TIMOTHY W. MILLER AND VARIOUS | 457 STEPHENS ROAD AKRON, OH 44312 | AFLAC | $436 | $0 | $436 | 3.13% |
| THERESA L GOIK3 Filed as: THERESA L. GOIK | 1816 WEST NIGHTHAWK WAY PHOENIX, AZ 85045 | AFLAC | $347 | $0 | $347 | 2.49% |
| ALPHA BENEFITS INC3 | 4200 ROCKSIDE ROAD, SUITE 300 CLEVELAND, OH 44131 | AFLAC | $115 | $0 | $115 | 0.82% |
| KATHERINE ROSE LANG3 | 21617 HALWORTH ROAD BEACHWOOD, OH 44122 | AFLAC | $89 | $0 | $89 | 0.64% |
| MARK L HENDERSON3 | 4433 38TH STREET NW, SUITE 4 CANTON, OH 44718 | AFLAC | $85 | $0 | $85 | 0.61% |
| CATHERINE A LEPORE3 Filed as: CATHERINE A. LEPORE | 250 ORION STREET NW NORTH CANTON, OH 44720 | AFLAC | $67 | $0 | $67 | 0.48% |
| A C LONG & ASSOCIATES INC3 Filed as: A.C. LONG AND ASSOCIATES INC | 1113 MEDINA ROAD, SUITE 500 MEDINA, OH 44256 | AFLAC | $53 | $0 | $53 | 0.38% |
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 | 121 | 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) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ALPHA BENEFITS, INC. | 181 | $1.0M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 129 | $102K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 129 | $116K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 129 | $102K |
| Prescription drug | ALPHA BENEFITS, INC. | 181 | $1.0M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 129 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 181 | — |
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.
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.