| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 4200 ROCKSIDE ROAD SUITE 300 INDEPENDENCE, OH 44131 | MEDICAL MUTUAL OF OHIO | $27K | $21K | $48K | 1.75% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INSURANCE SERV. | PO BOX 632886 CINCINNATI, OH 45263 | MEDICAL MUTUAL OF OHIO | $27K | — | $27K | 0.98% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 4200 ROCKSIDE RD STE 300 CLEVELAND, OH 441312530 | PRINCIPAL LIFE INSURANCE COMPANY | $16K | — | $16K | 9.32% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INSURANCE SERV. | 700 W 47TH ST STE 1100 KANSAS CITY, MO 641122050 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | — | $6K | 3.60% |
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 | 172 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 181 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL OF OHIO | 141 | $2.7M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 306 | $176K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 306 | $176K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 306 | $176K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 306 | $176K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 306 | $176K |
| Prescription drug | MEDICAL MUTUAL OF OHIO | 141 | $2.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 306 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.