| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDWARD D SOMMER3 | 300 W WILSON BRIDGE RD. STE 300 WORTHINGTON, OH 43085 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $43K | $45K | 2.84% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE COLUMBUS | 250 W OLD WILSON BRIDGE RD STE 190 WORTHINGTON, OH 43085 | UNITEDHEALTHCARE INSURANCE COMPANY | $9K | — | $9K | 0.60% |
| THOMAS S FARRO3 | 4000 EMBASSY PKWY STE 420 AKRON, OH 443338357 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| EXPRESSLINK GENERAL AGENCY LLC3 | 4200 ROCKSIDE RD STE 103 INDEPENDENCE, OH 44131 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| EDWARD D SOMMER3 | 300 W WILSON BRIDGE RD. STE 300 WORTHINGTON, OH 430852299 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | $4K | $13K | 14.25% |
| EDWARD D SOMMER3 | 300 W WILSON BRIDGE RD. STE 300 WORTHINGTON, OH 430852299 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 7.70% |
| THOMAS S FARRO3 | 4000 EMBASSY PKWY STE 420 AKRON, OH 443334543 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 7.30% |
| EDWARD D SOMMER3 | 300 W WILSON BRIDGE RD. STE 300 WORTHINGTON, OH 430852299 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 7.55% |
| THOMAS S FARRO3 | 4000 EMBASSY PKWY STE 420 AKRON, OH 443338357 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 7.45% |
| EDWARD D SOMMER3 | 300 W WILSON BRIDGE RD. STE 300 WORTHINGTON, OH 430852299 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $848 | — | $848 | 7.86% |
| THOMAS S FARRO3 | 4000 EMBASSY PKWY STE 420 AKRON, OH 443338357 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $771 | — | $771 | 7.14% |
| EDWARD D SOMMER3 | 300 W WILSON BRIDGE RD. STE 300 WORTHINGTON, OH 430852299 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $223 | — | $223 | 5.10% |
| THOMAS S FARRO3 | 4000 EMBASSY PKWY STE 420 AKRON, OH 443334543 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $214 | — | $214 | 4.90% |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 197 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 197 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 420 | $1.6M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 418 | $93K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 180 | $21K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 83 | $45K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 180 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 420 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.