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Long-Term Debt - Schedule of Long-Term Debt (Details) (10-K) - USD ($)
Sep. 30, 2020
Dec. 31, 2019
Dec. 31, 2018
Long-term debt total $ 9,053,512 $ 9,281,525 $ 1,711,681
Less: current portion (963,450) (1,010,570) (90,580)
Long-term debt 8,090,062 8,270,955 1,621,101
Senior Secured Amortizing Credit Facility [Member]      
Long-term debt total 899,810 963,174 999,707
Employee Benefits, Solutions, LLC, and US Benefits Alliance [Member]      
Long-term debt total 556,609 595,797 711,974
Southwestern Montana Financial Center, Inc. [Member]      
Long-term debt total 1,002,808 1,066,815
Fortman Insurance Agency, LLC [Member]      
Long-term debt total 2,522,841 2,593,707
Altruis Benefits Consulting, LLC [Member]      
Long-term debt total $ 4,071,444 $ 4,062,032