| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDWARD D SOMMER3 | 300 W WILSON BRIDGE RD SUITE 300 WORTHINGTON, OH 430852299 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $457 | $3K | 8.61% |
| SOMNER, EDWARD3 | 300 WILSON BRIDGE RD, ST 300 WORTHINGTON, OH 43085 | AMERICAN FIDELITY ASSURANCE COMPANY | $746 | — | $746 | 4.63% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | P.O. BOX 25360 OKLAHOMA CITY, OK 731250360 | AMERICAN FIDELITY ASSURANCE COMPANY | $219 | — | $219 | 1.36% |
| OHIO AUTO DEALERS ASSN INS3 | TIM DORAN EXEC VP DUBLIN, OH 43017 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $211 | $211 | 1.31% |
| CHANEY GROUP3 | 6059 FRANTZ RD DUBLIN, OH 43017 | AMERICAN FIDELITY ASSURANCE COMPANY | $14 | — | $14 | 0.09% |
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 | 91 | 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) | 91 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN FIDELITY ASSURANCE COMPANY | 31 | $16K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 153 | $40K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 153 | $40K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 153 | $40K |
| Short-term disability | AMERICAN FIDELITY ASSURANCE COMPANY | 31 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 153 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.