| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK, LLC | 4200 ROCKSIDE ROAD, SUITE 103 INDEPENENCE, OH 44131 | COMMUNITY INSURANCE COMPANY | $74K | $18K | $92K | 1.66% |
| ALLIANT INSURANCE SERVICES, INC.3 | 125 HIGH STREET, 22ND FLOOR BOSTON, MA 02110 | COMMUNITY INSURANCE COMPANY | $38K | $0 | $38K | 0.68% |
| BROKERNET INC3 Filed as: BROKERNET, INC. | 110 NORTHWOODS BOULEVARD SUITE C COLUMBUS, OH 43235 | COMMUNITY INSURANCE COMPANY | $0 | $6K | $6K | 0.10% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK, LLC | 4200 ROCKSIDE ROAD, SUITE 103 INDEPENENCE, OH 44131 | STANDARD INSURANCE COMPANY | $10K | $9K | $19K | 9.24% |
| ALLIANT INSURANCE SERVICES, INC.3 | 125 HIGH STREET, 22ND FLOOR BOSTON, MA 02110 | STANDARD INSURANCE COMPANY | $10K | $0 | $10K | 4.80% |
| BROKERNET INC3 Filed as: BROKERNET, INC. | 110 NORTHWOODS BOULEVARD SUITE C COLUMBUS, OH 43235 | STANDARD INSURANCE COMPANY | $0 | $5K | $5K | 2.24% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK, LLC | 4200 ROCKSIDE ROAD, SUITE 103 INDEPENENCE, OH 44131 | ANTHEM LIFE INSURANCE COMPANY | $6K | $3K | $9K | 13.79% |
| ALLIANT INSURANCE SERVICES, INC.4 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $2K | $0 | $2K | 17.00% |
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 | 372 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 381 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 705 | $5.6M |
| Dental | COMMUNITY INSURANCE COMPANY | 705 | $5.6M |
| Vision | COMMUNITY INSURANCE COMPANY | 705 | $5.6M |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 376 | $276K |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 376 | $276K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 376 | $276K |
| Prescription drug | COMMUNITY INSURANCE COMPANY | 705 | $5.6M |
| Other(4 contracts, 4 carriers) | COMMUNITY INSURANCE COMPANY | 705 | $5.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 705 | — |
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.
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.