| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE Filed as: ONEDIGITAL EXPRESSLINK LLC | 4200 ROCKSIDE ROAD 300 CLEVELAND, OH 44131 | MEDICAL MUTUAL | $58K | $43K | $101K | 2.86% |
| ALPHA BENEFITS INC3 | 4200 ROCKSIDE ROAD 300 CLEVELAND, OH 44131 | MEDICAL MUTUAL | $12K | $9K | $21K | 0.59% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 4200 ROCKSIDE RD 300 CLEVELAND, OH 44131 | MEDICAL MUTUAL LIFE | $46K | — | $46K | 4.41% |
| EXPRESSLINK GENERAL AGENCY LLC3 | 4200 ROCKSIDE RD 103 CLEVELAND, OH 44131 | MEDICAL MUTUAL LIFE | $5K | — | $5K | 0.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| RACHAEL A BERGKESSEL EIN 34-1133688 EMPLOYEE | Employee (plan) Service code 30 | 1603 EAST 27TH STREET CLEVELAND, OH 44114 | $47K |
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 | 25,388 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 25,399 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL | 159 | $3.6M |
| Life insurance | MEDICAL MUTUAL LIFE | 12,665 | $1.0M |
| Prescription drug | MEDICAL MUTUAL | 159 | $3.6M |
| Other | MEDICAL MUTUAL LIFE | 12,665 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 12,665 | — |
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.