| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | — | DELTA DENTAL OF OHIO | $12K | — | $12K | 2.99% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | — | SUN LIFE ASSURANCE COMPANY OF CANADA | $11K | $7K | $18K | 10.15% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | — | VISION SERVICE PLAN | $3K | — | $3K | 2.54% |
| HR BENEFITS SERVICES, INC. Filed as: DS BENEFITS GROUP, LLC | — | VISION SERVICE PLAN | -$231 | — | -$231 | -0.18% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | — | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | $2K | $9K | 14.99% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | — | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | $1K | $6K | 18.50% |
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 | 473 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 473 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OHIO | 1,237 | $389K |
| Vision | VISION SERVICE PLAN | 473 | $127K |
| Life insurance(3 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 293 | $272K |
| Short-term disability(3 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 293 | $272K |
| Long-term disability(3 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 293 | $272K |
| Other(3 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 293 | $272K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,237 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.