| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALPHA BENEFITS GROUP INC3 Filed as: ALPHA BENEFITS AGENCY INC | 4200 ROCKSIDE ROAD SUITE 300 INDEPENDENCE, OH 44131 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $270 | $2K | 3.37% |
| EXPRESSLINK GENERAL AGENCY LLC3 | 4200 ROCKSIDE ROAD SUITE 103 CLEVELAND, OH 44131 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $929 | $261 | $1K | 20.60% |
| LIFETIME FINANCIAL GROWTH OF N3 | 24500 CHAGRIN BOULEVARD BEACHWOOD, OH 44122 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7 | — | $7 | 0.12% |
| EXPRESSLINK GENERAL AGENCY LLC3 | 4200 ROCKSIDE ROAD SUITE 103 CLEVELAND, OH 44131 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $722 | $151 | $873 | 20.35% |
| LIFETIME FINANCIAL GROWTH OF N3 | 24500 CHAGRIN BOULEVARD BEACHWOOD, OH 44122 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5 | — | $5 | 0.12% |
| ALPHA BENEFITS GROUP INC3 Filed as: ALPHA BENEFITS AGENCY INC | — | COMMUNITY INSURANCE COMPANY | $338 | — | $338 | 7.99% |
| EXPRESSLINK GENERAL AGENCY LLC3 | 4200 ROCKSIDE ROAD #103 CLEVELAND, OH 44131 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $162 | — | $162 | 17.02% |
| LIFETIME FINANCIAL GROWTH OF N3 | 24500 CHAGRIN BOULEVARD BEACHWOOD, OH 44122 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1 | — | $1 | 0.11% |
| ALPHA BENEFITS INC3 | 4200 ROCKSIDE ROAD #300 INDEPENDENCE, OH 44131 | COMMUNITY INSURANCE COMPANY | $84 | — | $84 | 9.16% |
| EXPRESSLINK GENERAL AGENCY LLC3 | 4200 ROCKSIDE ROAD #103 CLEVELAND, OH 44131 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $115 | — | $115 | 17.06% |
| LIFETIME FINANCIAL GROWTH OF N3 | 24500 CHAGRIN BOULEVARD BEACHWOOD, OH 44122 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1 | — | $1 | 0.15% |
| EXPRESSLINK GENERAL AGENCY LLC3 | 4200 ROCKSIDE ROAD #103 CLEVELAND, OH 44131 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $112 | — | $112 | 17.07% |
| LIFETIME FINANCIAL GROWTH OF N3 | 24500 CHAGRIN BOULEVARD BEACHWOOD, OH 44122 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1 | — | $1 | 0.15% |
| ALPHA BENEFITS INC3 | 4200 ROCKSIDE ROAD #300 INDEPENDENCE, OH 44131 | ANTHEM LIFE INSURANCE COMPANY | $48 | — | $48 | 13.87% |
| EXPRESSLINK GENERAL AGENCY LLC3 | 4200 ROCKSIDE ROAD SUITE 103 CLEVELAND, OH 44131 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $642 | — | $642 | 436.73% |
| LIFETIME FINANCIAL GROWTH OF N3 | 24500 CHAGRIN BOULEVARD BEACHWOOD, OH 44122 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4 | — | $4 | 2.72% |
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 | 56 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 63 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 93 | $73K |
| Dental | COMMUNITY INSURANCE COMPANY | 67 | $4K |
| Vision | COMMUNITY INSURANCE COMPANY | 70 | $917 |
| Life insurance(7 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 76 | $13K |
| Short-term disability(6 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 11 | $12K |
| Long-term disability(6 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 11 | $12K |
| Other(7 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 76 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 93 | — |
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.