| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALPHA PROPERTY & CASUALTY INC3 | 31011 VIKING PKWY STE 1 WESTLAKE, OH 44145 | LINCOLN NATIONAL LIFE | $30K | — | $30K | 12.50% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | LINCOLN NATIONAL LIFE | — | $17K | $17K | 6.98% |
| ALPHA PROPERTY & CASUALTY INC3 | 31011 VIKING PKWY STE 1 WESTLAKE, OH 44145 | LINCOLN NATIONAL LIFE | $10K | — | $10K | 5.00% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | LINCOLN NATIONAL LIFE | — | $9K | $9K | 4.52% |
| ALPHA PROPERTY & CASUALTY INC3 | 31011 VIKING PKWY STE 1 WESTLAKE, OH 44145 | LINCOLN NATIONAL LIFE | $13K | — | $13K | 12.50% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | LINCOLN NATIONAL LIFE | — | $8K | $8K | 7.45% |
| BENEFIT EDUCATORS LLC3 | 2516 WAUKEGAN RD GLENVIEW, IL 60025 | LINCOLN NATIONAL LIFE | $39K | — | $39K | 40.81% |
| ALPHA PROPERTY & CASUALTY INC3 | 31011 VIKING PKWY STE 1 WESTLAKE, OH 44145 | LINCOLN NATIONAL LIFE | $21K | — | $21K | 21.97% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | LINCOLN NATIONAL LIFE | — | $7K | $7K | 7.71% |
| ALPHA PROPERTY & CASUALTY INC3 | 31011 VIKING PKWY STE 1 WESTLAKE, OH 44145 | LINCOLN NATIONAL LIFE | $8K | — | $8K | 10.00% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | LINCOLN NATIONAL LIFE | — | $2K | $2K | 2.51% |
| BENEFIT EDUCATORS LLC3 | 2516 WAUKEGAN RD GLENVIEW, IL 60025 | LINCOLN NATIONAL LIFE | $28K | — | $28K | 47.88% |
| ALPHA PROPERTY & CASUALTY INC3 | 31011 VIKING PKWY STE 1 WESTLAKE, OH 44145 | LINCOLN NATIONAL LIFE | $15K | — | $15K | 25.78% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | LINCOLN NATIONAL LIFE | — | $4K | $4K | 7.47% |
| ALPHA PROPERTY & CASUALTY INC3 | 31011 VIKING PKWY STE 1 WESTLAKE, OH 44145 | LINCOLN NATIONAL LIFE | $7K | — | $7K | 15.00% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | LINCOLN NATIONAL LIFE | — | $3K | $3K | 6.89% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 WEST PLAZA TWO 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 07663 | CONTINENTAL AMERICAN INSURANCE CO | $3K | — | $3K | 14.23% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH & MCLENNAN AG. | 2300 RENAISSA NCE BLVD. KING OF PRUSSIA, PA 19406 | CONTINENTAL AMERICAN INSURANCE CO | $267 | — | $267 | 1.13% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $402K |
| MARSH & MCLENNAN AGENCY LLC EIN 26-3237576 BROKER | Other commissions Service code 55 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | $153K |
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 | 2,103 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,103 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | LINCOLN NATIONAL LIFE | 913 | $208K |
| Vision | LINCOLN NATIONAL LIFE | 844 | $80K |
| Life insurance | LINCOLN NATIONAL LIFE | 2,103 | $45K |
| Short-term disability | LINCOLN NATIONAL LIFE | 393 | $242K |
| Long-term disability | LINCOLN NATIONAL LIFE | 163 | $103K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE | 636 | $2.0M |
| Other(4 contracts, 2 carriers) | LINCOLN NATIONAL LIFE | 2,103 | $221K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,103 | — |
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.