| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HR BENEFITS SERVICES, INC.3 Filed as: DS BENEFITS GROUP LLC | — | COMMUNITY INSURANCE COMPANY | $18K | — | $18K | 1.81% |
| DIGITAL INSURANCE LLC3 | — | COMMUNITY INSURANCE COMPANY | $4K | — | $4K | 0.38% |
| HR BENEFITS SERVICES, INC.3 Filed as: DS BENEFITS GROUP LLC | — | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $9K | — | $9K | 7.96% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | — | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 4.36% |
| HR BENEFITS SERVICES, INC.3 Filed as: DS BENEFITS GROUP, LLC | — | DELTA DENTAL OF OHIO | $4K | — | $4K | 4.71% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | — | DELTA DENTAL OF OHIO | $1K | — | $1K | 1.43% |
| HR BENEFITS SERVICES, INC.3 Filed as: DS BENEFITS GROUP LLC | — | METROPOLITAN LIFE INSURANCE COMPANY | $937 | — | $937 | 8.14% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | — | METROPOLITAN LIFE INSURANCE COMPANY | $281 | — | $281 | 2.44% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INS INC. | — | METROPOLITAN LIFE INSURANCE COMPANY | $211 | $29 | $240 | 2.08% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK | — | METROPOLITAN LIFE INSURANCE COMPANY | $106 | — | $106 | 0.92% |
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 | 114 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 100 | $1.0M |
| Dental | DELTA DENTAL OF OHIO | 247 | $84K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 182 | $12K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 114 | $112K |
| Short-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 114 | $112K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 114 | $112K |
| Other | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 114 | $112K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 247 | — |
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."
No prospect flags tripped on this filing.