| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANCORA INS SOLUTIONS LLC3 | 31011 VIKING PKWY STE 1 WESTLAKE, OH 44145 | LINCOLN NATIONAL LIFE (STD) | $48K | — | $48K | 12.50% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 4200 ROCKSIDE RD STE 300 INDEPENDENCE, OH 44131 | LINCOLN NATIONAL LIFE (STD) | — | $17K | $17K | 4.30% |
| ANCORA INS SOLUTIONS LLC3 | 31011 VIKING PKWY STE 1 WESTLAKE, OH 44145 | LINCOLN NATIONAL LIFE (DENTAL) | $13K | — | $13K | 5.00% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK, INC. | 4200 ROCKSIDE RD, SUITE 300 INDEPENDENCE, OH 44131 | LINCOLN NATIONAL LIFE (DENTAL) | — | $9K | $9K | 3.16% |
| GWH CONSULTING, LLC3 Filed as: GWH CONSULTING LLC | 5012 BLACKJACK DR. FRANKLIN, TN 37067 | MADISON NATIONAL LIFE | $6K | — | $6K | 2.63% |
| ANCORA INS SOLUTIONS LLC3 | 31011 VIKING PKWY STE 1 WESTLAKE, OH 44131 | LINCOLN NATIONAL LIFE (LTD) | $19K | — | $19K | 12.50% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 4200 ROCKSIDE RD STE 300 INDEPENDENCE, OH 44131 | LINCOLN NATIONAL LIFE (LTD) | — | $6K | $6K | 4.16% |
| BENEFIT EDUCATORS LLC3 | 2516 WAUKEGAN RD GLENVIEW, IL 60025 | LINCOLN NATIONAL LIFE (ACCIDENT) | $19K | — | $19K | 17.08% |
| ANCORA INS SOLUTIONS LLC3 | 31011 VIKING PKWY STE 1 WESTLAKE, OH 44145 | LINCOLN NATIONAL LIFE (ACCIDENT) | $10K | — | $10K | 9.20% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 4200 ROCKSIDE RD. STE 300 INDEPENDENCE, OH 44131 | LINCOLN NATIONAL LIFE (ACCIDENT) | — | $9K | $9K | 7.81% |
| ANCORA INS SOLUTIONS LLC3 | 31011 VIKING PKWY STE 1 WESTLAKE, OH 44145 | LINCOLN NATIONAL LIFE (VISION) | $9K | — | $9K | 10.00% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK, INC. | 4200 ROCKSIDE RD, SUITE 300 INDEPENDENCE, OH 44131 | LINCOLN NATIONAL LIFE (VISION) | — | $1K | $1K | 1.40% |
| BENEFIT EDUCATORS LLC3 Filed as: BENEFIT EDUCATORS, LLC | 2516 WAUKEGAN RD. GLENVIEW, IL 60025 | LINCOLN NATIONAL LIFE (CRITICAL ILLNESS) | $19K | — | $19K | 22.17% |
| ANCORA INS SOLUTIONS LLC3 | 31011 VIKING PKWY STE 1 WESTLAKE, OH 44145 | LINCOLN NATIONAL LIFE (CRITICAL ILLNESS) | $10K | — | $10K | 11.94% |
| INTEGRATED EMPLOYEE BENEFIT SOLUTIO3 | 99 WOOD AVES ISELIN, NJ 08830 | COLONIAL LIFE AND ACCIDENT INSURANCE CO. | $382 | — | $382 | 5.32% |
| MARSH & MCLENNAN AGENCY LLC Filed as: DANIEL ROBINS CFP | 2404 E MAIN ST COLUMBUS, OH 43209 | COLONIAL LIFE AND ACCIDENT INSURANCE CO. | $179 | — | $179 | 2.49% |
| HOWARD MESZAROS3 | 8680 COLVIN DRIVE PLAIN CITY, OH 43064 | COLONIAL LIFE AND ACCIDENT INSURANCE CO. | $15 | — | $15 | 0.21% |
| INTEGRATED EMPLOYEE BENEFIT SOLUTIO3 | 99 WOOD AVE S ISELIN, NJ 08830 | COLONIAL LIFE AND ACCIDENT INSURANCE CO. | $317 | — | $317 | 5.16% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL ROBINS CFP | 2404 E MAIN ST COLUMBUS, OH 43209 | COLONIAL LIFE AND ACCIDENT INSURANCE CO. | $140 | — | $140 | 2.28% |
| INTEGRATED EMPLOYEE BENEFIT SOLUTIO3 | 99 WOOD AVE S ISELIN, NJ 08830 | COLONIAL LIFE AND ACCIDENT INSURANCE CO. | $456 | — | $456 | 8.24% |
| INTEGRATED EMPLOYEE BENEFIT SOLUTIO3 | 99 WOOD AVE S. ISELIN, NJ 08830 | COLONIAL LIFE AND ACCIDENT INSURANCE CO. | $154 | — | $154 | 4.36% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL ROBINS CFP | 2404 E MAIN ST COLUMBUS, OH 43209 | COLONIAL LIFE AND ACCIDENT INSURANCE CO. | $63 | — | $63 | 1.78% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | PO BOX 4557 NEW YORK, NY 10249 | COLONIAL LIFE AND ACCIDENT INSURANCE CO. | $17 | — | $17 | 0.48% |
| PAUL STANLEY JR3 | SUITE 200 B NORTH CHARLESTON, SC 29418 | COLONIAL LIFE AND ACCIDENT INSURANCE CO. | $15 | — | $15 | 0.42% |
| CHRISTINE L COURTNEY3 | 24392 OAKWOOD PARK RD ST MICHAELS, MD 21663 | COLONIAL LIFE AND ACCIDENT INSURANCE CO. | $3 | — | $3 | 0.08% |
| INTEGRATED EMPLOYEE BENEFIT SOLUTIO3 | 29 WOOD AVE S. ISELIN, NJ 08830 | COLONIAL LIFE AND ACCIDENT INSURANCE CO. | $289 | — | $289 | 8.50% |
| INTEGRATED EMPLOYEE BENEFIT SOLUTIO3 | 99 WOOD ST S. ISELIN, NJ 08830 | COLONIAL LIFE AND ACCIDENT INSURANCE CO. | $83 | — | $83 | 4.02% |
| HOWARD MESZAROS3 | 8680 COLVIN DRIVE PLAIN CITY, OH 43064 | COLONIAL LIFE AND ACCIDENT INSURANCE CO. | $4 | — | $4 | 0.19% |
| INTEGRATED EMPLOYEE BENEFIT SOLUTIO3 | 99 WOOD ST S. ISELIN, NJ 08830 | COLONIAL LIFE AND ACCIDENT INSURANCE CO. | $86 | — | $86 | 4.94% |
| INTEGRATED EMPLOYEE BENEFIT SOLUTIO3 | 29 WOOD AVE S. ISELIN, NJ 08830 | COLONIAL LIFE AND ACCIDENT INSURANCE CO. | $97 | — | $97 | 7.39% |
| INTEGRATED EMPLOYEE BENEFIT SOLUTIO3 | 99 WOOD AVE S. ISELIN, NJ 08830 | COLONIAL LIFE AND ACCIDENT INSURANCE CO. | $62 | — | $62 | 5.21% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL ROBINS CFP | 2404 E MAIN ST COLUMBUS, OH 43209 | COLONIAL LIFE AND ACCIDENT INSURANCE CO. | $24 | — | $24 | 2.02% |
| HOWARD B MESZAROS3 Filed as: HOWARD MEZAROS | 8680 COLVIN DRIVE PLAIN CITY, OH 43064 | COLONIAL LIFE AND ACCIDENT INSURANCE CO. | $15 | — | $15 | 1.26% |
| INTEGRATED EMPLOYEE BENEFIT SOLUTIO3 | 99 WOOD AVE S. ISELIN, NJ 08830 | COLONIAL LIFE AND ACCIDENT INSURANCE CO. | $59 | — | $59 | 5.11% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL ROBINS CFP | 2404 E MAIN ST. COLUMBUS, OH 43209 | COLONIAL LIFE AND ACCIDENT INSURANCE CO. | $24 | — | $24 | 2.08% |
| HOWARD MESZAROS3 | 8680 COLVIN DRIVE PLAIN CITY, OH 43064 | COLONIAL LIFE AND ACCIDENT INSURANCE CO. | $5 | — | $5 | 0.43% |
| INTEGRATED EMPLOYEE BENEFIT SOLUTIO3 | 29 WOOD AVE S. ISELIN, NJ 08830 | COLONIAL LIFE AND ACCIDENT INSURANCE CO. | $37 | — | $37 | 6.69% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMMUNITY INSURANCE COMPANY EIN 31-1440175 | Claims processing; Insurance brokerage commissions and fees; Insurance agents and brokers; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Other services; Float revenue; Other commissions Service code 12 | — | $208K |
| INGENIO RX, INC. EIN 82-3062245 | Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Claims processing Service code 12 | — | $0 |
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 | 1,824 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,833 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | LINCOLN NATIONAL LIFE (DENTAL) | 862 | $269K |
| Vision | LINCOLN NATIONAL LIFE (VISION) | 784 | $91K |
| Life insurance(9 contracts, 3 carriers) | MADISON NATIONAL LIFE | 1,833 | $301K |
| Short-term disability(12 contracts, 2 carriers) | LINCOLN NATIONAL LIFE (STD) | 370 | $421K |
| Long-term disability(12 contracts, 2 carriers) | LINCOLN NATIONAL LIFE (LTD) | 197 | $188K |
| Stop-loss / reinsurancereinsurance | COMMUNITY INSURANCE COMPANY | 880 | $1.4M |
| Other(5 contracts, 4 carriers) | LINCOLN NATIONAL LIFE (ACCIDENT) | 1,833 | $249K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,833 | — |
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.