| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | COMMUNITY INSURANCE COMPANY | $27K | $481 | $28K | 5.10% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 4200 ROCKSIDE ROAD SUITE 103 INDEPENDENCE, OH 44131 | COMMUNITY INSURANCE COMPANY | — | $11K | $11K | 1.98% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK | 4200 ROCKSIDE ROAD CLEVELAND, OH 44131 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | — | $6K | 28.35% |
| JAMES ABRAHAM3 | 6178 CEDAR COURT SOLON, OH 44139 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $958 | $4K | $5K | 24.20% |
| SONNHALTER INSURANCE GROUP LLC3 | 3931 GREENTREE ROAD STOW, OH 44224 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $6 | $2K | 10.99% |
| JOHN J TYTKO3 | 8803 BRECKSVILLE ROAD BRECKSVILLE, OH 44141 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $155 | $1K | 6.86% |
| KEVIN WRONA3 | 4086 FAR O WAY LANE RICHFIELD, OH 44286 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $614 | $295 | $909 | 4.33% |
| DAVID CAMPANA INSURANCE LTD3 Filed as: DAVID LEE CAMPANA | 341 COPPER CREEK AMHERST, OH 44001 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $104 | — | $104 | 0.50% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | ANTHEM LIFE INSURANCE COMPANY | $729 | $129 | $858 | 13.09% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 4200 ROCKSIDE ROAD SUITE 103 INDEPENDENCE, OH 44131 | ANTHEM LIFE INSURANCE COMPANY | — | $313 | $313 | 4.77% |
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 | 213 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 213 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 68 | $540K |
| Dental | COMMUNITY INSURANCE COMPANY | 68 | $540K |
| Vision | COMMUNITY INSURANCE COMPANY | 68 | $540K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 177 | $28K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 177 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 177 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.