| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALPHA BENEFITS INC3 Filed as: ALPHA BENEFITS INC. | 4200 ROCKSIDE RD #300 INDEPENDENCE, OH 44131 | COMMUNITY INSURANCE COMPANY (G1728) | $97K | $10K | $107K | 1.69% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 4200 ROCKSIDE RD STE 103 INDEPENDENCE, OH 44131 | COMMUNITY INSURANCE COMPANY (G1728) | $52K | $24K | $76K | 1.20% |
| THE JAMES B OSWALD COMPANY3 | 1360 E 9TH STREET #600 CLEVELAND, OH 44114 | COMMUNITY INSURANCE COMPANY (G1728) | $0 | $70K | $70K | 1.11% |
| ERC SERVICES INC3 | 6700 BETA DR. STE 300 MAYFIELD VILLAGE, OH 44143 | COMMUNITY INSURANCE COMPANY (G1728) | $10K | $0 | $10K | 0.16% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 4200 ROCKSIDE RD STE 103 INDEPENDENCE, OH 44131 | GUARDIAN LIFE INSURANCE COMPANY | $28K | $4K | $32K | 10.07% |
| LIFETIME FINANCIAL GROWTH Filed as: LIFETIME FINANCIAL GROWTH LLC | 24500 CHAGRIN BLVD BEACHWOOD, OH 44122 | GUARDIAN LIFE INSURANCE COMPANY | $15 | $0 | $15 | 0.00% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 4200 ROCKSIDE RD STE 103 INDEPENDENCE, OH 44131 | SUN LIFE ASSURANCE COMPANY OF CANDADA | $1K | $973 | $2K | 13.78% |
| ALPHA BENEFITS INC3 Filed as: ALPHA BENEFITS INC. | 4200 ROCKSIDE RD #300 INDEPENDENCE, OH 44131 | SUN LIFE ASSURANCE COMPANY OF CANDADA | $300 | $0 | $300 | 1.68% |
| ALPHA BENEFITS INC3 Filed as: ALPHA BENEFITS INC. | 4200 ROCKSIDE RD #300 INDEPENDENCE, OH 44131 | ANTHEM LIFE INSURANCE COMPANY (G1400) | $6K | — | $6K | — |
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 | 516 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 528 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY (G1728) | 864 | $6.3M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 701 | $319K |
| Vision | COMMUNITY INSURANCE COMPANY (G1728) | 864 | $6.3M |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY | 701 | $319K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY (G1400) | 335 | $0 |
| Other(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY | 701 | $337K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 864 | — |
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.