| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 4200 ROCKSIDE ROAD #103 CLEVELAND, OH 44131 | GUARDIAN | $19K | $8K | $27K | 9.88% |
| GILBERT INSURANCE AGENCY INC3 Filed as: GILBERT'S INSURANCE AGENCY INC. | 30 E STATE ST. SHARON, PA 16146 | GUARDIAN | $2K | — | $2K | 0.81% |
| LIFETIME FINANCIAL GROWTH CO O3 Filed as: LIFETIME FRINANCIAL GROWTH LLC | 244 BLVD OF THE ALLIANCE PITTSBURGH, PA 15222 | GUARDIAN | $19 | — | $19 | 0.01% |
| NATIONAL HEALTHCARE ACCESS3 Filed as: NATIONAL HEALTHCARE ACCESS INC | 7422 SOUTHERN BLVD BOARDMAN, OH 44512 | EYEMED VISION CARE THE EYECARE PLAN OF AMERICA | $4K | — | $4K | 5.74% |
| GILBERT INSURANCE AGENCY INC Filed as: GILBERT'S INSURANCE AGENCY INC. | 30 E STATE ST. SHARON, PA 16146 | EYEMED VISION CARE THE EYECARE PLAN OF AMERICA | $3K | — | $3K | 4.19% |
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 | 385 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 385 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 409 | $272K |
| Vision | EYEMED VISION CARE THE EYECARE PLAN OF AMERICA | 385 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 409 | — |
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.