| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | $0 | $7K | 5.14% |
| ALPHA BENEFITS INC3 Filed as: ALPHA BENEFITS INC. | 4200 ROCKSIDE ROAD, SUITE 300 CLEVELAND, OH 44131 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 6.24% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $0 | $1K | 3.04% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 4200 ROCKSIDE ROAD, SUITE 300 CLEVELAND, OH 44131 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 10.76% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | AFLAC | $342 | $0 | $342 | 3.68% |
| MAKOWSKI INS AGCY INC3 Filed as: MAKOWSKI INSURANCE AGENCY INC. | 9404 WOODCHIP LANE BROADVIEW HEIGHTS, OH 44147 | AFLAC | $262 | $8 | $270 | 2.90% |
| DANIEL R. PRYANT3 | 964 JOHN GLENN DRIVE SEVEN HILLS, OH 44131 | AFLAC | $225 | $42 | $267 | 2.87% |
| CHARLES HOWARD JOBE3 | 4087 HUNTERS WAY BRUNSWICK, OH 44212 | AFLAC | $164 | $8 | $172 | 1.85% |
| WILLIAM JAY MOTHERSBAUGH3 | 13705 PINEY HOLLOW LANE PAINESVILLE, OH 44077 | AFLAC | $167 | $0 | $167 | 1.80% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INUSURANCE INC. | 37 WEST BROAD STREET, SUITE 1100 COLUMBUS, OH 43215 | AFLAC | $157 | $0 | $157 | 1.69% |
| STEPHEN BRIAN LOMBARDOZZI3 Filed as: STEPHEN B. LOMBARDOZZI AND AGENTS | 5329 GARGASZ DRIVE LORAIN, OH 44053 | AFLAC | $126 | — | $126 | 1.36% |
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 | 107 | 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) | 107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 64 | $163K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 135 | $24K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 135 | $24K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 135 | $24K |
| Short-term disability | AFLAC | 15 | $9K |
| Long-term disability | AFLAC | 15 | $9K |
| Prescription drug(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 64 | $163K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 135 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 135 | — |
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."
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.