| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE Filed as: ONEDIGITAL EXPRESSLINK LLC | 4200 ROCKSIDE ROAD SUITE 103 INDEPENDENCE, OH 44131 | COMMUNITY INSURANCE COMPANY (G1728) | $139K | $0 | $139K | 2.16% |
| THE JAMES B OSWALD COMPANY | 1100 SUPERIOR AVENUE SUITE 103 CLEVELAND, OH 44114 | COMMUNITY INSURANCE COMPANY (G1728) | $0 | $85K | $85K | 1.33% |
| ERC SERVICES INC | 387 GOLF VIEW LANE SUITE 100 HIGHLAND HEIGHTS, OH 44143 | COMMUNITY INSURANCE COMPANY (G1728) | $5K | $0 | $5K | 0.08% |
| ENROLLEASE Filed as: ONEDIGITAL EXPRESSLINK LLC | 4200 ROCKSIDE ROAD SUITE 300 CLEVELAND, OH 44131 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $23K | $7K | $30K | 11.15% |
| ENROLLEASE Filed as: ONEDIGITAL EXPRESSLINK LLC | 4200 ROCKSIDE RD SUITE 103 INDEPENDENCE, OH 44131 | ANTHEM LIFE INSURANCE COMPANY (G1400) | $8K | $2K | $9K | 8.24% |
| PROMISE BENEFITS LIMITED | 964 JOHN GLENN DR SEVEN HILLS, OH 44131 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 7.23% |
| DIGITAL INSURANCE LLC | 200 GALLERIA PKWY SUITE 1950 ATLANTA, GA 30339 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 3.99% |
| DANIEL R BRYANT | 964 JOHN GLENN DR SEVEN HILLS, OH 44131 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 2.74% |
| CHARLES HOWARD JOBE Filed as: CHARLES H JOBE | 8421 EVERGREEN DR SAGAMORE HILLS, OH 44067 | CONTINENTAL AMERICAN INSURANCE COMPANY | $868 | $0 | $868 | 1.82% |
| EXPRESSLINK GENERAL AGENCY LLC | 4200 ROCKSIDE RD SUITE 103 CLEVELAND, OH 44131 | CONTINENTAL AMERICAN INSURANCE COMPANY | $664 | $0 | $664 | 1.39% |
| MAKOWSKI INS AGCY INC Filed as: MAKOWSKI INSURANCE AGENCY INC | 9404 WOODCHIP LN BROADVIEW HEIGHTS, OH 44147 | CONTINENTAL AMERICAN INSURANCE COMPANY | $548 | $0 | $548 | 1.15% |
| DAVID A COSENTINO Filed as: DAVID COSENTINO | 61 SCUPPER LN SUITE 125 NORTHFIELD, OH 44067 | CONTINENTAL AMERICAN INSURANCE COMPANY | $298 | $0 | $298 | 0.62% |
| BRIAN FRIEDMAN | 305 EAST 151ST STREET CLEVELAND, OH 44110 | CONTINENTAL AMERICAN INSURANCE COMPANY | $220 | $0 | $220 | 0.46% |
| WILLIAM JAY MOTHERSBAUGH Filed as: WILLIAM J MOTHERSBAUGH | 13705 PINEY HOLLOW LN PAINESVILLE, OH 44077 | CONTINENTAL AMERICAN INSURANCE COMPANY | $206 | $0 | $206 | 0.43% |
| JEFFRERY A MAKOWSKI | 9150 SOUTH HILLS BLVD BROADVIEW HEIGHTS, OH 44147 | CONTINENTAL AMERICAN INSURANCE COMPANY | $44 | $0 | $44 | 0.09% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 200 GALLERIA PKWY SE SUITE 1950 ATLANTA, OH 30339 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | $0 | $1K | 9.99% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 200 GALLERIA PKWY SE SUITE 1950 ATLANTA, GA 30339 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $739 | $739 | 5.57% |
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 | 404 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 414 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY (G1728) | 753 | $6.4M |
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 624 | $280K |
| Vision | COMMUNITY INSURANCE COMPANY (G1728) | 753 | $6.4M |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 624 | $381K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY (G1400) | 301 | $114K |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 624 | $328K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 753 | — |
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.