| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REB CONSULTING, INC.3 | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | MEDICAL MUTUAL | $44K | $3K | $47K | 1.49% |
| REB CONSULTING, INC.3 | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | STANDARD INSURANCE COMPANY | $8K | $422 | $9K | 12.28% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE AGENCY & FINA | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $13 | $3K | 4.61% |
| REB CONSULTING, INC.3 | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 4.23% |
| REB CONSULTING, INC.3 | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $1 | $1K | 3.63% |
| LISA R CANFIELD3 | 9255 HIGH POINT ROAD THORNVILLE, OH 43076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $378 | $1 | $379 | 1.07% |
| HOWARD MESZAROS3 | 8680 COLVIN DRIVE PLAIN CITY, OH 43064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $183 | $0 | $183 | 0.52% |
| DANIEL THOMAS CANFIELD3 | 9255 HIGH POINT ROAD THORNVILLE, OH 43076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $150 | $0 | $150 | 0.42% |
| OVERALL BENEFITS GROUP LLC3 | 324 STRAW COURT PATASKALA, OH 43062 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $117 | $0 | $117 | 0.33% |
| JUSTIN J MCDONALD3 Filed as: JUSTIN J MCONALD | 12052 PEPPERMILL LANE PICKERINGTON, OH 43147 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $59 | $8 | $67 | 0.19% |
| INTEGRATED EMPLOYEE BENEFIT SOLUTIO3 | 10589 LAGUNA CIRCLE PLAIN CITY, OH 43064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $62 | $0 | $62 | 0.18% |
| JENNIFER LOEFFLER3 | 4455 MASON ROAD CANAL WINCHESTER, OH 43110 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $38 | $0 | $38 | 0.11% |
| MELISSA SUE LEONARDI3 | 65 N. DIXIE DRIVE SUITE A VANDALIA, OH 45377 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | $0 | $13 | 0.04% |
| SCOTT THOMAS LEONARDI3 | 65 N. DIXIE DRIVE SUIE 5 VANDALIA, OH 45377 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| DAVID L SMELCER3 | 3137 TOWNSHIP ROAD 97 MCCOMB, OH 45858 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| D STEVE SMELCER3 | 7676 MEHAFFEY ROAD LIMA, OH 45801 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INTERFLEX PAYMENTS, LLC EIN 27-2256926 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $3K |
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 | 191 | 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) | 191 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL | 132 | $3.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 436 | $64K |
| Vision | STANDARD INSURANCE COMPANY | 182 | $72K |
| Life insurance | STANDARD INSURANCE COMPANY | 182 | $72K |
| Long-term disability | STANDARD INSURANCE COMPANY | 182 | $72K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 39 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 436 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.