| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REB CONSULTING, INC.3 Filed as: REB CONSULTING | 300 W WILSON BRIDGE RD, STE 300 WORTHINGTON, OH 43085 | MEDICAL MUTUAL | $23K | — | $23K | 1.79% |
| EDWARD D SOMMER3 Filed as: EDWARD D. SOMMER | 300 WEST WILSON BRIDGE RD, STE 300 WORTHINGTON, OH 43085 | MEDICAL MUTUAL | $23K | — | $23K | 1.75% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER INSURANCE | SERVICES LLC 800 MAIN STREET DUBUQUE, IA 52001 | ANTHEM BLUE CROSS BLUE SHIELD | $39K | — | $39K | 3.21% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER INSURANCE | SERVICES 800 MAIN ST DUBUQUE, IA 52001 | ANTHEM LIFE INSURANCE COMPANY | $1K | — | $1K | 11.30% |
| REB CONSULTING, INC.3 Filed as: REB CONSULTING INC | 300 W WILSON BRIDGE RD STE 300 WORTHINGTON, OH 430852299 | PRINCIPAL LIFE INSURANCE COMPANY | $229 | — | $229 | 3.04% |
| EDWARD D SOMMER3 Filed as: EDWARD DAVID ARON SOMMER | 300 W WILSON BRIDGE RD STE 300 WORTHINGTON, OH 430852299 | PRINCIPAL LIFE INSURANCE COMPANY | $161 | — | $161 | 2.14% |
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 | 144 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | MEDICAL MUTUAL | 171 | $2.5M |
| Dental(2 contracts, 2 carriers) | ANTHEM BLUE CROSS BLUE SHIELD | 171 | $1.2M |
| Vision(2 contracts, 2 carriers) | ANTHEM BLUE CROSS BLUE SHIELD | 171 | $1.2M |
| Life insurance(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 214 | $18K |
| Other(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 214 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 214 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.