| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | COMMUNITY INSURANCE COMPANY | $28K | $567 | $28K | 4.77% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 4200 ROCKSLIDE ROAD, SUITE 103 INDEPENDENCE, OH 44131 | COMMUNITY INSURANCE COMPANY | $0 | $9K | $9K | 1.61% |
| MATTHEW WALSH3 | 26566 LOCUST DRIVE OLMSTED FALLS, OH 44138 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $4K | $5K | 20.38% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 4200 ROCKSLIDE ROAD CLEVELAND, OH 44131 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $0 | $4K | 15.24% |
| KEVIN WRONA3 | 9740 CEDARWOOD DRIVE NORTH ROYALTON, OH 44133 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $370 | $253 | $623 | 2.48% |
| SONNHALTER INSURANCE GROUP LLC3 | 3931 GREENTREE ROAD STOW, OH 44224 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $463 | $0 | $463 | 1.84% |
| COORDINATION GROUP LLC3 | 13130 WEST 130TH STREET STRONGSVILLE, OH 44136 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $200 | $236 | $436 | 1.74% |
| JAMES D SAMS3 Filed as: JAMES D. SAMS | 239 FENWAY ROAD COLUMBUS, OH 43214 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $380 | $5 | $385 | 1.53% |
| DARLENE D. GALL AND OTHER AGENTS3 | 33240 BAINBRIDGE ROAD SOLON, OH 44139 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $256 | $56 | $312 | 1.24% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | ANTHEM LIFE INSURANCE COMPANY | $487 | $0 | $487 | 11.09% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 4200 ROCKSLIDE ROAD, SUITE 103 INDEPENDENCE, OH 44131 | ANTHEM LIFE INSURANCE COMPANY | $0 | $225 | $225 | 5.12% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $211 | $131 | $342 | 31.84% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 4200 ROCKSLIDE ROAD, SUITE 103 INDEPENDENCE, OH 44131 | STANDARD INSURANCE COMPANY | $0 | $75 | $75 | 6.98% |
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 | 258 | 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) | 258 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 122 | $590K |
| Dental | COMMUNITY INSURANCE COMPANY | 122 | $590K |
| Vision | COMMUNITY INSURANCE COMPANY | 122 | $590K |
| Life insurance(3 contracts, 3 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 258 | $31K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 75 | $25K |
| Other(3 contracts, 3 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 258 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 258 | — |
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.