| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALPHA BENEFITS INC3 | 4200 ROCKSIDE ROAD SUITE 300 INDEPENDENCE, OH 44131 | COMMUNITY INSURANCE COMPANY (G1728) | $175K | — | $175K | 3.05% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES. B. OSWALD COMPANU | 1100 SUPERIOR AVE SUITE 1500 CLEVELAND, OH 44114 | COMMUNITY INSURANCE COMPANY (G1728) | $100K | — | $100K | 1.75% |
| ERC SERVICES INC3 | 387 GOLF VIEW LANE SUITE 100 HIGHLAND HEIGHTS, OH 44143 | COMMUNITY INSURANCE COMPANY (G1728) | $5K | — | $5K | 0.10% |
| EXPRESSLINK GENERAL AGENCY LLC Filed as: EXPRESSLINK GENERAL AGENCY | 4200 ROCKSIDE ROAD SUITE 103 CLEVELAND, OH 44131 | GUARDIAN LIFE INSURANCE COMPANY | $23K | $9K | $32K | 12.14% |
| LIFETIME FINANCIAL GROWTH OF N | 24500 CHAGRIN BOULEVARD BEACHWOOD, OH 44122 | GUARDIAN LIFE INSURANCE COMPANY | $120 | — | $120 | 0.05% |
| ALPHA BENEFITS INC | 4200 ROCKSIDE ROAD SUITE 300 INDEPENDENCE, OH 44131 | ANTHEM LIFE INSURANCE (G1400) | $18K | — | $18K | 15.17% |
| ALPHA BENEFITS INC3 | 4200 ROCKSIDE ROAD SUITE 300 INDEPENDENCE, OH 44131 | UDC OF OHIO INC | $2K | — | $2K | 9.97% |
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 | 643 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 650 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY (G1728) | 460 | $5.7M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 650 | $266K |
| Vision | COMMUNITY INSURANCE COMPANY (G1728) | 460 | $5.7M |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY | 650 | $387K |
| Long-term disability | ANTHEM LIFE INSURANCE (G1400) | 383 | $121K |
| Other(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY | 650 | $286K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 650 | — |
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.