| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESS LINK LLC | 4200 ROCKSIDE ROAD SUITE 300 INDEPENDENCE, OH 44131 | MEDICAL MUTUAL | $39K | $10K | $49K | 6.22% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 10.42% |
| ENROLLEASE3 | 660 YORK STREET SUITE 102 SAN FRANCISCO, CA 94110 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $631 | — | $631 | 0.80% |
| JERRY A LYKE & ASSOCIATES3 | 4017 WHIPPLE AVENUE NORTHWEST CANTON, OH 44718 | HARTFORD LIFE AND ACCIDENT | $4K | — | $4K | 15.00% |
| WEARSCH, DANIEL3 Filed as: WEARSCH, DANEIL | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 14.62% |
| EVERETT C BICKEL3 Filed as: EVERETT, ADDISON | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 14.53% |
| MOSHER, TIM3 Filed as: MOSHER, TIM J | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 7.68% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN, JAYLEN M | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $356 | — | $356 | 1.27% |
| BONDAREVSKAIA, ANASTA3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $310 | — | $310 | 1.10% |
| SIMON REYES3 Filed as: SIMON, KRISTIN P | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $193 | — | $193 | 0.69% |
| BISHOP INSURANCE, LLC3 Filed as: BISHOP, MACKENZIE E | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $192 | — | $192 | 0.68% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PALMER, EVAN | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $192 | — | $192 | 0.68% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNE, SARAH | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $168 | — | $168 | 0.60% |
| LAWHUN, BOBBY3 Filed as: LAWHUN, BOBBY J | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $90 | — | $90 | 0.32% |
| DANIELS INSURANCE AGENCY3 Filed as: DANIELS, BRIAN | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $72 | — | $72 | 0.26% |
| KABANDA, JACQUES3 Filed as: KABANDA, JACQUE S | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $72 | — | $72 | 0.26% |
| LAWRENCE TODD FUGATE3 Filed as: LAWRENCE, DARREN M | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $54 | — | $54 | 0.19% |
| THRASHER, HALEIGH3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $48 | — | $48 | 0.17% |
| BRANDT INC3 Filed as: BRANDT, JULIE | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $24 | — | $24 | 0.09% |
| BRACKETT, WILLIAM3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $24 | — | $24 | 0.09% |
| DAVIDSON BENEFITS PLANNING LLC3 Filed as: DAVIDSON, REGINA | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $24 | — | $24 | 0.09% |
| DYKES, JILL3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $24 | — | $24 | 0.09% |
| OWNES, BAILEY C3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $24 | — | $24 | 0.09% |
| SEYMOUR, DAKOTAH3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $24 | — | $24 | 0.09% |
| LAWRENCE TODD FUGATE3 Filed as: LAWRENCE, JAMES M | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $8 | — | $8 | 0.03% |
| FRIASON, JOHANNA3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
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 | 170 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 171 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL | 80 | $780K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 147 | $79K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 147 | $79K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 147 | $79K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 38 | $29K |
| Prescription drug | MEDICAL MUTUAL | 80 | $780K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 147 | $107K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 147 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.