| 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 | $231K | $20K | $251K | 12.65% |
| ANCORA INSURANCE SOLUTIONS, LLC3 Filed as: ANCORA INS SLTNS LLC | 31011 VIKING PKWY STE 1 WESTLAKE, OH 44145 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $57K | — | $57K | 12.50% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 4200 ROCKSIDE RD STE 103 COLUMBUS, OH 44131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $9K | $9K | 2.00% |
| ANCORA INSURANCE SOLUTIONS, LLC3 Filed as: ANCORA INS SLTNS LLC | 31011 VIKING PKWY STE 1 WESTLAKE, OH 44145 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14K | — | $14K | 5.00% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 4200 ROCKSIDE RD STE 103 COLUMBUS, OH 44131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $6K | $6K | 2.00% |
| BENEFIT EDUCATORS LLC3 | 2516 WAUKEGAN RD GLENVIEW, IL 60025 | MADISON NATIONAL LIFE | $73K | — | $73K | 28.74% |
| ANCORA INSURANCE SOLUTIONS, LLC3 Filed as: ANCORA INSURANCE SOLUTIONS LLC | 1 HOLLOW LN, STE 201 NEW HIDE PARK, NY 11042 | MADISON NATIONAL LIFE | $39K | — | $39K | 15.47% |
| NEXTGEN BENEFIT ADVISOR, LLC3 Filed as: NEXTGEN BENEFIT ADVISORS, LLC | 710 S 6TH ST. PHILADELPHIA, PA 19147 | MADISON NATIONAL LIFE | $12K | — | $12K | 4.91% |
| GWH CONSULTING, LLC3 | 5012 BLACKJACK DR FRANKLIN, TN 37067 | MADISON NATIONAL LIFE | $7K | — | $7K | 2.68% |
| BAFFIN BAY MARKETING GROUP, LLC3 | P.O. BOX 161690 AUSTIN, TX 78716 | MADISON NATIONAL LIFE | $4K | — | $4K | 1.61% |
| ANCORA INSURANCE SOLUTIONS, LLC3 Filed as: ANCORA INS SLTNS LLC | 31011 VIKING PKWY STE 1 WESTLAKE, OH 44145 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $19K | — | $19K | 12.50% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 4200 ROCKSIDE RD STE 103 COLUMBUS, OH 44131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 2.00% |
| BENEFIT EDUCATORS LLC3 | 2516 WAUKEGAN RD GLENVIEW, IL 60025 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $26K | — | $26K | 24.49% |
| ANCORA INSURANCE SOLUTIONS, LLC3 Filed as: ANCORA INS SLTNS LLC | 31011 VIKING PKWY STE 1 WESTLAKE, OH 44145 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14K | — | $14K | 13.19% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 4200 ROCKSIDE RD STE 103 COLUMBUS, OH 44131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 2.00% |
| ANCORA INSURANCE SOLUTIONS, LLC3 Filed as: ANCORA INS SLTNS LLC | 31011 VIKING PKWY STE 1 WESTLAKE, OH 44145 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | — | $9K | 10.00% |
| BENEFIT EDUCATORS LLC3 | 2516 WAUKEGAN RD GLENVIEW, IL 60025 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $26K | — | $26K | 28.33% |
| ANCORA INSURANCE SOLUTIONS, LLC3 Filed as: ANCORA INS SLTNS LLC | 31011 VIKING PKWY STE 1 WESTLAKE, OH 44145 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14K | — | $14K | 15.26% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 4200 ROCKSIDE RD STE 103 COLUMBUS, OH 44131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 2.00% |
| ANCORA INSURANCE SOLUTIONS, LLC3 Filed as: ANCORA INS SLTNS LLC | 31011 VIKING PKWY STE 1 WESTLAKE, OH 44145 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 15.00% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 4200 ROCKSIDE RD STE 103 COLUMBUS, OH 44131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $885 | $885 | 2.00% |
| INTEGRATED EMPLOYEE BENEFIT SOLUTIO3 | 99 WOOD AVE S. ISELIN, NJ 08830 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $238 | — | $238 | 5.23% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL ROBINS CFP | 2404 E MAIN ST COLUMBUS, OH 43209 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $106 | — | $106 | 2.33% |
| INTEGRATED EMPLOYEE BENEFIT SOLUTIO3 | 99 WOOD AVE S. ISELIN, NJ 08830 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $302 | — | $302 | 8.67% |
| INTEGRATED EMPLOYEE BENEFIT SOLUTIO3 | 99 WOOD AVE S. ISELIN, NJ 08830 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $241 | — | $241 | 9.02% |
| INTEGRATED EMPLOYEE BENEFIT SOLUTIO3 | 99 WOOD AVE S. ISELIN, NJ 08830 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $93 | — | $93 | 3.86% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL ROBINS CFP | 2404 E MAIN ST COLUMBUS, OH 43209 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $44 | — | $44 | 1.83% |
| HOWARD MESZAROS3 | 8680 COLVIN DR PLAIN CITY, OH 43064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.21% |
| INTEGRATED EMPLOYEE BENEFIT SOLUTIO3 | 99 WOOD AVE S. ISELIN, NJ 08830 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $96 | — | $96 | 4.19% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL ROBINS CFP | 2404 E MAIN ST COLUMBUS, OH 43209 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $40 | — | $40 | 1.74% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | PO BOX 4557 NEW YORK, NY 10249 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.52% |
| PAUL STANLEY JR3 | 5264 INTERNATIONAL BLVD NORTH CHARLESTON, SC 29418 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.44% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED BENEFIT SYSTEM INC. | 145 RIVER LANDING DR UNIT 203 DANIEL ISLAND, SC 29492 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.09% |
| CHRISTINE L COURTNEY3 | 24392 OAKWOOD PARK RD ST MICHAELS, MD 21663 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.09% |
| INTEGRATED EMPLOYEE BENEFIT SOLUTIO3 | 99 WOOD AVE S. ISELIN, NJ 08830 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $94 | — | $94 | 4.45% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL ROBINS CFP | 2404 E MAIN ST COLUMBUS, OH 43209 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $40 | — | $40 | 1.89% |
| INTEGRATED EMPLOYEE BENEFIT SOLUTIO3 | 99 WOOD AVE S. ISELIN, NJ 08830 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $95 | — | $95 | 8.84% |
| INTEGRATED EMPLOYEE BENEFIT SOLUTIO3 | 99 WOOD AVE S. ISELIN, NJ 08830 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $47 | — | $47 | 4.84% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL ROBINS CFP | 2404 E MAIN ST COLUMBUS, OH 43209 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 1.95% |
| INTEGRATED EMPLOYEE BENEFIT SOLUTIO3 | 99 WOOD AVE S. ISELIN, NJ 08830 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 4.51% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL ROBINS CFP | 2404 E MAIN ST COLUMBUS, OH 43209 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 1.90% |
| HOWARD MESZAROS3 | 8680 COLVIN DR PLAIN CITY, OH 43064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 1.19% |
| INTEGRATED EMPLOYEE BENEFIT SOLUTIO3 | 99 WOOD AVE S. ISELIN, NJ 08830 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 3.91% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMMUNITY INSURANCE COMPANY EIN 31-1440175 | Insurance agents and brokers; Other commissions; Float revenue; Non-monetary compensation; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Claims processing; Insurance brokerage commissions and fees Service code 12 | — | $184K |
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 | 968 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 970 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 973 | $2.0M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,115 | $284K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,048 | $94K |
| Life insurance(7 contracts, 3 carriers) | MADISON NATIONAL LIFE | 2,379 | $309K |
| Short-term disability(12 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 599 | $480K |
| Long-term disability(12 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 399 | $173K |
| Stop-loss / reinsurancereinsurance | COMMUNITY INSURANCE COMPANY | 973 | $2.0M |
| Other(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,379 | $241K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,379 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.