| 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 | $121K | $8K | $129K | 2.01% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVENUE SUITE 1500 CLEVELAND, OH 44114 | COMMUNITY INSURANCE COMPANY | — | $52K | $52K | 0.81% |
| ERC SERVICES INC3 | 387 GOLF VIEW LANE STE 100 HIGHLAND HEIGHTS, OH 44143 | COMMUNITY INSURANCE COMPANY | $22K | — | $22K | 0.34% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $35K | $5K | $41K | 10.71% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 4200 ROCKSIDE RD STE 103 INDEPENDECE, OH 44131 | ANTHEM LIFE INSURANCE COMPANY (G1400) | $3K | $1K | $5K | 15.45% |
| DANIEL R BRYANT3 | 964 JOHN GLENN DR SEVEN HILLS, OH 44131 | CONTINENTAL AMERICAN INSURANCE COMPANY | $625 | — | $625 | 2.89% |
| PROMISE BENEFITS LIMITED3 | 764 JOHN GLENN DR SEVEN HILLS, OH 44131 | CONTINENTAL AMERICAN INSURANCE COMPANY | $539 | — | $539 | 2.49% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | CONTINENTAL AMERICAN INSURANCE COMPANY | $290 | — | $290 | 1.34% |
| WILLIAM JAY MOTHERSBAUGH3 Filed as: WILLIAM J MOTHERSBAUGH | 13705 PINEY HOLLOW LANE PAINESVILLE, OH 44077 | CONTINENTAL AMERICAN INSURANCE COMPANY | $132 | — | $132 | 0.61% |
| CHARLES HOWARD JOBE3 Filed as: CHARLES H JOBE | 6852 AMHERST DRIVE APT 2108 SAGAMORE HILLS, OH 44067 | CONTINENTAL AMERICAN INSURANCE COMPANY | $119 | — | $119 | 0.55% |
| MAKOWSKI INS AGCY INC3 Filed as: MAKOWSKI INS AGENCY INC | 9404 WOODCHIP LANE BROADVIEW HTS, OH 44147 | CONTINENTAL AMERICAN INSURANCE COMPANY | $45 | — | $45 | 0.21% |
| BRIAN FRIEDMAN3 | 305 EAST 151ST STREET CLEVELAND, OH 44110 | CONTINENTAL AMERICAN INSURANCE COMPANY | $28 | — | $28 | 0.13% |
| DAVID A COSENTINO3 Filed as: DAVID ANTHONY COSENTINO | 61 SCUPPER LN STE 125 NORTHFIELD, OH 44067 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21 | — | $21 | 0.10% |
| JEFFREY A MAKOWSKI3 | 9150 SOUTH HILLS BOULEVARD BROADVIEW HTS, OH 44147 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | — | $9 | 0.04% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 200 GALLERIA PKWY SE SUITE 1950 ATLANTA, GA 30339 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | $550 | $2K | 14.30% |
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 | 625 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 628 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 392 | $6.4M |
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 644 | $392K |
| Vision(2 contracts, 2 carriers) | COMMUNITY INSURANCE COMPANY | 644 | $6.8M |
| Life insurance(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 644 | $423K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 86 | $22K |
| Long-term disability(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 644 | $423K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 644 | $402K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 644 | — |
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.