| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALPHA BENEFITS INC | 4200 ROCKSIDE RD #300 INDPENDENCE, OH 44131 | COMMUNITY INSURANCE COMPANY (G1728) | $154K | — | $154K | 2.54% |
| THE JAMES B OSWALD COMPANY | 1360 E 9TH ST #600 CLEVELAND, OH 44114 | COMMUNITY INSURANCE COMPANY (G1728) | $34K | $38K | $72K | 1.19% |
| THE JAMES B OSWALD COMPANY | 1100 SUPERIOR AVE STE 1500 CLEVELAND, OH 44114 | COMMUNITY INSURANCE COMPANY (G1728) | $18K | — | $18K | 0.29% |
| ERC SERVICES INC | 387 GOLF VIEW LANE STE 100 HIGHLAND HEIGHTS, OH 44143 | COMMUNITY INSURANCE COMPANY (G1728) | $958 | — | $958 | 0.02% |
| ALPHA BENEFITS INC | 4200 ROCKSIDE RD #300 INDPENDENCE, OH 44131 | ANTHEM LIFE INSURANCE COMPANY (G1400) | $6K | — | $6K | 5.07% |
| ALPHA BENEFITS INC3 | 4200 ROCKSIDE RD #300 INDPENDENCE, OH 44131 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 10.01% |
| EXPRESSLINK GENERAL AGENCY LLC3 | 4200 ROCKSIDE RD SUITE 103 CLEVELAND, OH 44131 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $1K | $1K | 5.36% |
| ENROLLEASE Filed as: ONEDIGITAL EXPRESSLINK LLC | 4200 ROCKSIDE RD #300 INDPENDENCE, OH 44131 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $21K | $8K | $28K | — |
| ENROLLEASE Filed as: ONE DIGITAL EXPRESSLINK LLC | 4200 ROCKSIDE RD SUITE 103 CLEVELAND, OH 44131 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $370 | — | $370 | — |
| LIFETIME FINANCIAL GROWTH | 24500 CHAGRIN BLVD BEACHWOOD, OH 44122 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $60 | — | $60 | — |
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 | 474 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 477 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY (G1728) | 465 | $6.0M |
| Dental(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 688 | $19K |
| Vision | COMMUNITY INSURANCE COMPANY (G1728) | 465 | $6.0M |
| Life insurance(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY (G1400) | 688 | $113K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY (G1400) | 340 | $113K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 688 | — |
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.