| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 4200 ROCKSIDE RD STE 103 INDEPENDENCE, OH 44131 | COMMUNITY INSURANCE COMPANY | $131K | $7K | $137K | 1.81% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVENUE SUITE 1500 CLEVELAND, OH 44114 | COMMUNITY INSURANCE COMPANY | — | $57K | $57K | 0.76% |
| ERC SERVICES INC3 | 3333 RICHMOND RD, STE 210 BEACHWOOD, OH 44122 | COMMUNITY INSURANCE COMPANY | $20K | — | $20K | 0.26% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | GUARDIAN | $40K | $11K | $52K | 11.50% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | ANTHEM LIFE INSURANCE COMPANY | $2K | $1K | $4K | 11.09% |
| DANIEL R BRYANT3 | 2644 LARCHVIEW DR PAINESVILLE, OH 44077 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 8.70% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | CONTINENTAL AMERICAN INSURANCE COMPANY | $694 | — | $694 | 5.13% |
| PROMISE BENEFITS LIMITED3 | 2644 LARCHVIEW DR PAINESVILLE, OH 44077 | CONTINENTAL AMERICAN INSURANCE COMPANY | $688 | — | $688 | 5.08% |
| WILLIAM JAY MOTHERSBAUGH3 Filed as: WILLIAM J MOTHERSBAUGH | 13705 PINEY HOLLOW LANE PAINESVILLE, OH 44077 | CONTINENTAL AMERICAN INSURANCE COMPANY | $259 | — | $259 | 1.91% |
| CHARLES HOWARD JOBE3 Filed as: CHARLES H JOBE | 8421 EVERGREEN DR SAGAMORE HILLS, OH 44067 | CONTINENTAL AMERICAN INSURANCE COMPANY | $212 | — | $212 | 1.57% |
| MAKOWSKI INS AGCY INC3 Filed as: MAKOWSKI INSURANCE AGENCY INC | 9404 WOODCHIP LN BROADVIEW HEIGHTS, OH 44147 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16 | — | $16 | 0.12% |
| BRIAN FRIEDMAN3 | 18009 HILLGROVE AVE CLEVELAND, OH 44119 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14 | — | $14 | 0.10% |
| MARIE E BRYANT3 | 2644 LARCHVIEW DR PAINESVILLE, OH 44077 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | — | $9 | 0.07% |
| JEFFREY A MAKOWSKI3 | 9404 WOODCHIP LN BROADVIEW HEIGHTS, OH 44147 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.04% |
| DAVID A COSENTINO3 | 61 SCUPPER LN NORTHFIELD, OH 44067 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.03% |
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 | 682 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 682 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 449 | $7.6M |
| Dental | GUARDIAN | 686 | $448K |
| Vision | GUARDIAN | 686 | $448K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN | 686 | $482K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 56 | $14K |
| Long-term disability | GUARDIAN | 686 | $448K |
| Other(2 contracts, 2 carriers) | GUARDIAN | 686 | $462K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 686 | — |
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."
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.