| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REB CONSULTING, INC.3 | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | HARTFORD LIFE AND ACCIDENT | $25K | $0 | $25K | 10.20% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FIN SRVS | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | HARTFORD LIFE AND ACCIDENT | $0 | $17K | $17K | 7.00% |
| REB CONSULTING, INC.3 Filed as: REB CONSULTING | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | DELTA DENTAL OF OHIO | $7K | $0 | $7K | 3.29% |
| REB CONSULTING, INC.3 | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | PRINCIPAL LIFE INSURANCE COMPANY | $12K | $0 | $12K | 16.71% |
| REB CONSULTING, INC.3 | 300 W. WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $5K | $0 | $5K | 10.74% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| NATIONAL HEALTH INSURANCE COMPANY EIN 74-1541799 ADMINISTRATOR | Contract Administrator Service code 13 | P.O. BOX 6199999 DALLAS, TX 75261 | $597K |
| NATIONAL GENERAL INSURANCE COMPANY EIN 43-0890050 ADMINISTRATOR | Contract Administrator Service code 13 | 1515 NORTH RIVERCENTER DRIVE SUITE 135 MILWAUKEE, WI 53212 | $163K |
| INTERFLEX PAYMENTS, LLC EIN 27-2256926 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $121K |
| OPOC INSURANCE SERVICES CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | $118K |
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 | 398 | 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) | 398 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OHIO | 553 | $198K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 339 | $50K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 421 | $246K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 421 | $246K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 421 | $318K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 553 | — |
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.