| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BLASCAK INSURANCE SERVICES3 | 4125 MAIN STREET, SUITE B2 HILLIARD, OH 43026 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $59K | $0 | $59K | 6.15% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AGCY & FIN SVCS | 250 WEST OLD WILSON BRIDGE ROAD WORTHINGTON, OH 43085 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $52K | $52K | 5.48% |
| EDWARD D SOMMER3 | 300 W. WILSON BRIDGE RD. SUITE 300 WORTHINGTON, OH 43085 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $52K | $0 | $52K | 5.43% |
| JOE BLASCAK3 | 7262 BRUNDAGE ROAD WALDO, OH 43356 | DELTA DENTAL OF OHIO | $2K | $2K | $4K | 2.66% |
| EDWARD D SOMMER3 Filed as: EDWARD SOMMER | 300 W. WILSON BRIDGE RD. SUITE 300 WORTHINGTON, OH 430852299 | DELTA DENTAL OF OHIO | $2K | $0 | $2K | 1.48% |
| EDWARD D SOMMER3 | 300 W. WILSON BRIDGE RD. SUITE 300 WORTHINGTON, OH 430852299 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 10.59% |
| JOSEPH S BLASCAK3 | 7262 BRUNDAGE ROAD WALDO, OH 43356 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 9.86% |
| BLASCAK INSURANCE SERVICES3 | 7262 BRUNDAGE RD. WALDO, OH 43356 | EYEMED | $2K | $0 | $2K | 5.53% |
| EDWARD D SOMMER3 Filed as: EDWARD D.A. SOMMER | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | EYEMED | $1K | $0 | $1K | 4.27% |
| SMITH, THOMAS, CHRISTOPHER3 | 2928 FOSTER CREIGHTON DR. NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $0 | $6K | 49.51% |
| BLASCAK INSURANCE SERVICES3 Filed as: BLASCAK, JOE | 7262 BRUNDAGE RD. WALDO, OH 43356 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $0 | $6K | 45.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA EIN 59-1031071 CARRIER | Float revenue; Other services; Claims processing; Non-monetary compensation; Named fiduciary; Direct payment from the plan; Contract Administrator; Participant communication Service code 12 | — | $41K |
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 | 427 | 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) | 427 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 249 | $954K |
| Dental | DELTA DENTAL OF OHIO | 407 | $143K |
| Vision | EYEMED | 184 | $29K |
| Life insurance | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 45 | $13K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 94 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 407 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.