| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALPHA BENEFITS GROUP INC3 Filed as: ALPHA BENEFITS AGENCY INC | 4200 ROCKSIDE RD STE 300 INDEPENDENCE, OH 44131 | UNITED HEALTHCARE | $6K | — | $6K | 5.31% |
| ALPHA BENEFITS INC3 | 4200 ROCKSIDE RD STE 300 CLEVELAND, OH 44131 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 9.22% |
| ALPHA BENEFITS INC3 | 4200 ROCKSIDE RD STE 300 INDEPENDENCE, OH 44131 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | — | $1K | 8.20% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 4200 ROCKSIDE RD CLEVELAND, OH 44131 | SUN LIFE ASSURANCE COMPANY OF CANADA | $297 | — | $297 | 1.78% |
| DANIEL R BRYANT3 | 964 JOHN GLENN DR SEVEN HILLS, OH 44131 | AFLAC | $367 | $38 | $405 | 5.07% |
| MAKOWSKI INS AGCY INC3 Filed as: MAKOWSKI INSURANCE AGENCY INC | 9404 WOODCHIP LN BROADVIEW HEIGHTS, OH 44147 | AFLAC | $275 | $8 | $283 | 3.55% |
| ALPHA BENEFITS INC3 | 4200 ROCKSIDE RD STE 300 CLEVELAND, OH 44131 | AFLAC | $228 | — | $228 | 2.86% |
| HUNTINGTON INSURANCE INC3 | 37 W BROAD ST STE 100 COLUMBUS, OH 43215 | AFLAC | $172 | — | $172 | 2.15% |
| CHARLES HOWARD JOBE3 | 6852 AMHERST DR APT 2108 SAGAMORE HILLS, OH 44067 | AFLAC | $128 | $8 | $136 | 1.70% |
| LYLE S TAYERLE3 | 11500 SHELDON RD MANTUA, OH 44255 | AFLAC | $32 | — | $32 | 0.40% |
| EUGENE MAKOWSKI3 Filed as: EUGENE L MAKOWSKI | 8442 LIDO DR BROADVIEW HEIGHTS, OH 44147 | AFLAC | $21 | — | $21 | 0.26% |
| TIMOTHY R QUINLAN3 | 137 SEMICONON LN RENFREW, PA 16053 | AFLAC | $17 | — | $17 | 0.21% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | AFLAC | $17 | — | $17 | 0.21% |
| KRISTIN J QUINLAN3 | 137 SEMICONON LN RENFREW, PA 16053 | AFLAC | $11 | — | $11 | 0.14% |
| ALPHA BENEFITS INC3 | 4200 ROCKSIDE RD STE 300 INDEPENDENCE, OH 44131 | SUN LIFE ASSURANCE COMPANY OF CANADA | $767 | — | $767 | 11.04% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 4200 ROCKSIDE RD CLEVELAND, OH 44131 | SUN LIFE ASSURANCE COMPANY OF CANADA | $160 | — | $160 | 2.30% |
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 | 110 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTHCARE | 80 | $181K |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 34 | $17K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 34 | $17K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 110 | $7K |
| Other(2 contracts, 2 carriers) | AFLAC | 110 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 110 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.