| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HR BENEFITS SERVICES, INC.3 Filed as: DS BENEFITS GROUP, LLC | — | DELTA DENTAL OF OHIO | $9K | — | $9K | 2.27% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | — | DELTA DENTAL OF OHIO | $3K | — | $3K | 0.73% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | — | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | $7K | $10K | 6.21% |
| HR BENEFITS SERVICES, INC.3 Filed as: DS BENEFITS GROUP LLC | — | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | — | $8K | 5.09% |
| HR BENEFITS SERVICES, INC.3 Filed as: DS BENEFITS GROUP, LLC | — | VISION SERVICE PLAN | $3K | — | $3K | 2.39% |
| HR BENEFITS SERVICES, INC.3 Filed as: DS BENEFITS GROUP LLC | — | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | — | $5K | 11.29% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | — | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $2K | $2K | 4.66% |
| ENROLLEASE3 Filed as: DIGITAL INSURANCE INC DBA ONEDIGITA | — | SUN LIFE ASSURANCE COMPANY OF CANADA | $350 | — | $350 | 0.75% |
| HR BENEFITS SERVICES, INC.3 Filed as: DS BENEFITS GROUP LLC | — | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 9.30% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | — | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $2K | $2K | 5.63% |
| ENROLLEASE3 Filed as: DIGITAL INSURANCE INC DBA ONEDIGITA | — | SUN LIFE ASSURANCE COMPANY OF CANADA | $316 | — | $316 | 1.04% |
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 | 471 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 471 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OHIO | 1,190 | $375K |
| Vision | VISION SERVICE PLAN | 440 | $120K |
| Life insurance(3 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 278 | $231K |
| Short-term disability(3 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 278 | $231K |
| Long-term disability(3 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 278 | $231K |
| Other(3 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 278 | $231K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,190 | — |
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.