| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 4200 ROCKSIDE ROAD SUITE 103 INDEPENDENCE, OH 44131 | COMMUNITY INSURANCE COMPANY | $21K | $4K | $26K | 4.40% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 4200 ROCKSIDE ROAD SUITE 300 CLEVELAND, OH 44131 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $2K | $3K | 13.42% |
| EXPRESSLINK GENERAL AGENCY LLC3 Filed as: EXPRESSLINK GENERAL AGENCY | 4200 ROCKSIDE ROAD SUITE 103 CLEVELAND, OH 44131 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $210 | $210 | 0.86% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 4200 ROCKSIDE ROAD SUITE 300 CLEVELAND, OH 44131 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $972 | $3K | 24.48% |
| EXPRESSLINK GENERAL AGENCY LLC3 Filed as: EXPRESSLINK GENERAL AGENCY | 4200 ROCKSIDE ROAD SUITE 103 CLEVELAND, OH 44131 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $87 | $87 | 0.85% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 4200 ROCKSIDE ROAD SUITE 300 CLEVELAND, OH 44131 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $544 | $542 | $1K | 19.43% |
| EXPRESSLINK GENERAL AGENCY LLC3 Filed as: EXPRESSLINK GENERAL AGENCY | 4200 ROCKSIDE ROAD SUITE 103 CLEVELAND, OH 44131 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $48 | $48 | 0.86% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 4200 ROCKSIDE ROAD SUITE 300 CLEVELAND, OH 44131 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $830 | $536 | $1K | 24.69% |
| EXPRESSLINK GENERAL AGENCY LLC3 Filed as: EXPRESSLINK GENERAL AGENCY | 4200 ROCKSIDE ROAD SUITE 103 CLEVELAND, OH 44131 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $45 | $45 | 0.81% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 4200 ROCKSIDE ROAD SUITE 300 CLEVELAND, OH 44131 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $646 | $130 | $776 | 20.43% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 4200 ROCKSIDE ROAD SUITE 300 CLEVELAND, OH 44131 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $463 | $95 | $558 | 20.48% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 4200 ROCKSIDE ROAD SUITE 300 CLEVELAND, OH 44131 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $390 | $81 | $471 | 20.55% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 4200 ROCKSIDE ROAD SUITE 300 CLEVELAND, OH 44131 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $185 | $176 | $361 | 19.53% |
| EXPRESSLINK GENERAL AGENCY LLC3 Filed as: EXPRESSLINK GENERAL AGENCY | 4200 ROCKSIDE ROAD SUITE 103 CLEVELAND, OH 44131 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $16 | $16 | 0.87% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 4200 ROCKSIDE ROAD SUITE 103 INDEPENDENCE, OH 44131 | ANTHEM LIFE INSURANCE COMPANY | $19 | $23 | $42 | — |
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 | 89 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 91 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 59 | $585K |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 64 | $25K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 66 | $6K |
| Life insurance(5 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 88 | $13K |
| Short-term disability(4 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 33 | $19K |
| Long-term disability(3 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 9 | $9K |
| Other(5 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 88 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 88 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.