| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDWARD D SOMMER3 Filed as: EDWARD D. SOMMER | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | MEDICAL MUTUAL | $33K | $0 | $33K | 3.86% |
| ED DAVID ARON SOMMER3 | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $368 | $3K | 6.46% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| NATIONAL HEALTH INSURANCE COMPANY ADMINISTRATOR | Direct payment from the plan Service code 50 | P.O. BOX 619999 DALLAS, TX 75261 | $463K |
| NATIONAL GENERAL INSURANCE COMPANY ADMINISTRATOR | Direct payment from the plan Service code 50 | 1515 NORTH RIVERCENTER DRIVE MILWAUKEE, WI 53212 | $90K |
| EDWARD D SOMMER BROKER | Insurance agents and brokers Service code 22 | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | $40K |
| INTERFLEX PAYMENTS, LLC EIN 27-2256926 CONTRACT ADMNISTRATOR | Contract Administrator Service code 13 | — | $39K |
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 | 186 | 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) | 186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL | 103 | $853K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 211 | $48K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 211 | $48K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 211 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 211 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.