| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDWARD D SOMMER3 | 300 WEST WILSON BRIDGE RD, STE 300 WORTHINGTON, OH 43085 | MEDICAL MUTUAL OF OHIO | $25K | — | $25K | 3.75% |
| EDWARD D SOMMER3 | 300 W WILSON BRIDGE RD SUITE 300 WORTHINGTON, OH 430852299 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $459 | $4K | 8.20% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | P.O. BOX 25360 OKLAHOMA CITY, OK 731250360 | AMERICAN FIDELITY ASSURANCE COMPANY | $916 | — | $916 | 8.58% |
| SOMNER, EDWARD3 | 300 WILSON BRIDGE RD, ST 300 WORTHINGTON, OH 43085 | AMERICAN FIDELITY ASSURANCE COMPANY | $430 | — | $430 | 4.03% |
| OHIO AUTO DEALERS ASSN INS3 | TIM DORAN EXEC VP DUBLIN, OH 43017 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $172 | $172 | 1.61% |
| CHANEY GROUP3 | 6059 FRANTZ RD DUBLIN, OH 43017 | AMERICAN FIDELITY ASSURANCE COMPANY | $47 | — | $47 | 0.44% |
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 | 102 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | MEDICAL MUTUAL OF OHIO | 76 | $667K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 164 | $52K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 164 | $52K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 164 | $52K |
| Short-term disability | AMERICAN FIDELITY ASSURANCE COMPANY | 26 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 164 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.