| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REB CONSULTING, INC.3 Filed as: REB CONSULTING INC. | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | COMMUNITY INSURANCE COMPANY | $24K | $0 | $24K | 1.03% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC. | 775 YARD STREET SUITE 200 COLUMBUS, OH 43212 | COMMUNITY INSURANCE COMPANY | $6K | $970 | $7K | 0.28% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVENUE SUITE 1500 CLEVELAND, OH 44114 | COMMUNITY INSURANCE COMPANY | $4K | $0 | $4K | 0.16% |
| ERC SERVICES INC3 Filed as: ERC SERVICES INC. | 6700 BETA DRIVE STE 300 MAYFIELD VILLAGE, OH 44143 | COMMUNITY INSURANCE COMPANY | $1K | $0 | $1K | 0.06% |
| THE JAMES B OSWALD COMPANY3 | 1360 E. 9TH STREET #600 CLEVELAND, OH 44114 | COMMUNITY INSURANCE COMPANY | $156 | $363 | $519 | 0.02% |
| BROKERNET INC3 Filed as: BROKERNET, INC. | 110 NORTHWOODS BLVD. STE C COLUMBUS, OH 43235 | COMMUNITY INSURANCE COMPANY | $62 | $62 | $124 | 0.01% |
| EDWARD D SOMMER3 Filed as: EDWARD SOMMER | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | $1K | $7K | 4.83% |
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 | 290 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 290 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | COMMUNITY INSURANCE COMPANY | 233 | $2.5M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 214 | $143K |
| Vision | COMMUNITY INSURANCE COMPANY | 233 | $2.4M |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 214 | $143K |
| Stop-loss / reinsurancereinsurance | PRINCIPAL LIFE INSURANCE COMPANY | 214 | $143K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 233 | — |
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.