| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 4200 ROCKSIDE RD STE 103 INDEPENDENCE, OH 44131 | COMMUNITY INSURANCE COMPANY | $124K | — | $124K | 2.07% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVENUE SUITE 1500 CLEVELAND, OH 44114 | COMMUNITY INSURANCE COMPANY | — | $54K | $54K | 0.90% |
| ERC SERVICES INC3 | 387 GOLF VIEW LANE STE 100 HIGHLAND HEIGHTS, OH 44143 | COMMUNITY INSURANCE COMPANY | $25K | — | $25K | 0.42% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $24K | $3K | $27K | 9.73% |
| DANIEL R BRYANT3 Filed as: DANIEL BRYANT | 2644 LARCHVIEW DR PAINESVILLE, OH 440774936 | CONTINENTAL AMERICAN INSURANCE COMPANY | $573 | — | $573 | 0.37% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303393182 | CONTINENTAL AMERICAN INSURANCE COMPANY | $349 | — | $349 | 0.23% |
| PROMISE BENEFITS LIMITED3 | 2644 LARCHVIEW DR PAINESVILLE, OH 44077 | CONTINENTAL AMERICAN INSURANCE COMPANY | $290 | — | $290 | 0.19% |
| CHARLES HOWARD JOBE3 | 8421 EVERGREEN DR SAGAMORE HILLS, OH 440671076 | CONTINENTAL AMERICAN INSURANCE COMPANY | $139 | — | $139 | 0.09% |
| MAKOWSKI INS AGCY INC3 Filed as: MAKOWSKI INS AGENCY INC | 9404 WOODCHIP LANE BROADVIEW HTS, OH 44147 | CONTINENTAL AMERICAN INSURANCE COMPANY | $74 | — | $74 | 0.05% |
| WILLIAM JAY MOTHERSBAUGH3 | 13705 PINEY HOLLOW LANE PAINESVILLE, OH 44077 | CONTINENTAL AMERICAN INSURANCE COMPANY | $67 | — | $67 | 0.04% |
| DAVID A COSENTINO3 Filed as: DAVID ANTHONY COSENTINO | 61 SCUPPER LN NORTHFIELD, OH 440673023 | CONTINENTAL AMERICAN INSURANCE COMPANY | $33 | — | $33 | 0.02% |
| BRIAN FRIEDMAN3 | 18009 HILLGROVE AVE CLEVELAND, OH 441192025 | CONTINENTAL AMERICAN INSURANCE COMPANY | $25 | — | $25 | 0.02% |
| JEFFREY A MAKOWSKI3 | 9150 SOUTH HILLS BOULEVARD 250 BROADVIEW HTS, OH 44147 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 0.00% |
| MARIE E BRYANT3 Filed as: MARIE ELEANA BRYANT | 2644 LARCHVIEW DR PAINESVILLE, OH 44077 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 4200 ROCKSIDE RD STE 103 INDEPENDECE, OH 44131 | ANTHEM LIFE INSURANCE COMPANY (G1400) | $8K | $2K | $10K | 10.43% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 200 GALLERIA PKWY SE SUITE 1950 ATLANTA, GA 30339 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | $616 | $2K | 14.19% |
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 | 592 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 22 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 618 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 719 | $6.0M |
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 587 | $288K |
| Vision | COMMUNITY INSURANCE COMPANY | 719 | $6.0M |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 587 | $373K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 76 | $155K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY (G1400) | 253 | $96K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 587 | $431K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 719 | — |
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.