| 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 | $36K | $11K | $47K | 0.65% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $1K | $10K | 12.27% |
| ENROLLEASE3 | 660 YORK STREET SUITE 102 SAN FRANCISCO, CA 94110 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 2.28% |
| JERRY A LYKE & ASSOCIATES3 | 4017 WHIPPLE AVENUE NORTHWEST CANTON, OH 44718 | HARTFORD LIFE AND ACCIDENT | $4K | — | $4K | 15.00% |
| EVERETT C BICKEL3 Filed as: EVERETT, ADDISON | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $491 | — | $491 | 1.84% |
| MOSHER, TIM3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $264 | — | $264 | 0.99% |
| WEARSCH, DANIEL3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $151 | — | $151 | 0.57% |
| LAWHUN, BOBBY3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $11 | — | $11 | 0.04% |
| DYKES, JILL3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $10 | — | $10 | 0.04% |
| BISHOP INSURANCE, LLC3 Filed as: BISHOP, MACKENZIE | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $6 | — | $6 | 0.02% |
| DANIELS INSURANCE AGENCY3 Filed as: DANIELS, BRIAN | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $5 | — | $5 | 0.02% |
| BRACKETT, WILLIAM3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| DAVIDSON BENEFITS PLANNING LLC3 Filed as: DAVIDSON, REGINA | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| BRANDT INC3 Filed as: BRANDT, JULIE | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| SEYMOUR, DAKOTAH3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| OWENS WILLIAM HAROLD3 Filed as: OWENS, BAILEY | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| KABANDA, JACQUES3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| STEIDING, DELANEY3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| TSCHIMPERLE, MATT3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | -$20 | — | -$20 | -0.08% |
| LAWRENCE TODD FUGATE3 Filed as: LAWRENCE, DARREN | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | -$25 | — | -$25 | -0.09% |
| SIMON REYES3 Filed as: SIMON, KRISTIN | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | -$66 | — | -$66 | -0.25% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN, JAYLEN | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | -$127 | — | -$127 | -0.48% |
| FRIASON, JOHANNA3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | -$220 | — | -$220 | -0.83% |
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 | 109 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 112 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL | 83 | $7.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 148 | $80K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 148 | $80K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 148 | $80K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 39 | $29K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 39 | $29K |
| Prescription drug | MEDICAL MUTUAL | 83 | $7.2M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 148 | $106K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 148 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.