| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDWARD D SOMMER3 | 300 W WILSON BRIDGE RD. STE 300 WORTHINGTON, OH 43085 | MEDICAL MUTUAL | $33K | $14K | $46K | 4.37% |
| REB CONSULTING, INC.3 Filed as: REB CONSULTING, INC | 300 W WILSON BRIDGE RD. STE 300 WORTHINGTON, OH 43085 | MEDICAL MUTUAL | $16K | — | $16K | 1.52% |
| EDWARD D SOMMER3 Filed as: EDWARD DAVID ARON SOMMER | 300 W WILSON BRIDGE RD. STE 300 WORTHINGTON, OH 430852299 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 3.35% |
| REB CONSULTING, INC.3 Filed as: REB CONSULTING, INC | 300 W WILSON BRIDGE RD. STE 300 WORTHINGTON, OH 430852299 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 1.60% |
| EDWARD D SOMMER3 | 300 W WILSON BRIDGE RD. STE 300 WORTHINGTON, OH 43085 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| EDWARD D SOMMER3 | 300 W WILSON BRIDGE RD. STE 300 WORTHINGTON, OH 43085 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| EDWARD D SOMMER3 | 300 W WILSON BRIDGE RD. STE 300 WORTHINGTON, OH 430852299 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| EDWARD D SOMMER3 | 300 W WILSON BRIDGE RD. STE 300 WORTHINGTON, OH 43085 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $386 | — | $386 | 10.01% |
| REB CONSULTING, INC.3 Filed as: REB CONSULTING, INC | 300 W WILSON BRIDGE RD. STE 300 WORTHINGTON, OH 43085 | COMMUNITY INSURANCE COMPANY | $4K | — | $4K | — |
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 | 120 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | MEDICAL MUTUAL | 127 | $1.1M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 315 | $87K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 315 | $87K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 160 | $21K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 87 | $39K |
| Long-term disability(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 160 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 315 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.