| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALPHA BENEFITS INC3 | 4200 ROCKSIDE ROAD #300 INDEPENDENCE, OH 44131 | COMMUNITY INSURANCE COMPANY (G1728) | $167K | $1K | $168K | 3.08% |
| THE JAMES B OSWALD COMPANY | 1100 SUPERIOR AVENUE, SUITE 1500 CLEVELAND, OH 44114 | COMMUNITY INSURANCE COMPANY (G1728) | $95K | — | $95K | 1.75% |
| ERC SERVICES INC | 387 GOLF VIEW LANE STE 100 HIGHLAND HEIGHTS, OH 44143 | COMMUNITY INSURANCE COMPANY (G1728) | $5K | — | $5K | 0.10% |
| EXPRESSLINK GENERAL AGENCY LLC | 4200 ROCKSIDE ROAD, STE 103 CLEVELAND, OH 44131 | GUARDIAN LIFE INSURANCE COMPANY | $17K | $10K | $27K | 11.03% |
| LIFETIME FINANCIAL GROWTH OF N | 24500 CHAGRIN BOULEVARD BEACHWOOD, OH 44122 | GUARDIAN LIFE INSURANCE COMPANY | $54 | — | $54 | 0.02% |
| ALPHA BENEFITS INC3 | 4200 ROCKSIDE ROAD- 4200 INDEPENDENCE, OH 44131 | ANTHEM LIFE INSURANCE COMPANY (G1400) | $9K | $596 | $10K | 8.15% |
| EXPRESSLINK GENERAL AGENCY LLC3 | 4200 ROCKSIDE ROAD, STE 103 INDEPENDENCE, OH 44131 | UDC OF OHIO, INC. | — | $1K | $1K | 6.98% |
| ALPHA BENEFITS INC3 | 4200 ROCKSIDE ROAD, STE 300 INDEPENDENCE, OH 44131 | UDC OF OHIO, INC. | $200 | — | $200 | 1.00% |
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 | 635 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 638 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY (G1728) | 412 | $5.4M |
| Dental(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY | 599 | $265K |
| Vision | COMMUNITY INSURANCE COMPANY (G1728) | 412 | $5.4M |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY | 599 | $366K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY (G1400) | 396 | $121K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 599 | — |
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.
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.