| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDWARD D SOMMER3 Filed as: EDWARD SOMMER | 300 W. WILSON BRIDGE RD SUITE 300 WORTHINGTON, OH 43085 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10K | $693 | $11K | 15.80% |
| LISA R CANFIELD3 | 324 STAR COURT PATASKALA, OH 43062 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $4K | $9K | 13.78% |
| HOWARD MESZAROS3 | 8680 COLVIN DRIVE PLAN CITY, OH 43064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $2K | $8K | 11.86% |
| CORBIN BALL3 | 5760 NORTH ROAD LEWIS CENTER, OH 43035 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | $0 | $18 | 0.03% |
| EDWARD D SOMMER3 Filed as: EDWARD DA SOMMER | 300 W. WILSON BRIDGE RD SUITE 300 WORTHINGTON, OH 43085 | NIPPON LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 7.89% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EDWARD D SOMMER BROKER | Other commissions Service code 55 | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTINGTON, OH 43085 | $23K |
| CIGNA HEALTH AND LIFE INSURANCE EIN 59-1031071 PROVIDER | Claims processing; Non-monetary compensation; Other services; Float revenue; Contract Administrator; Direct payment from the plan; Participant communication; Named fiduciary Service code 12 | — | $6K |
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 | 141 | 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) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 96 | $267K |
| Dental | NIPPON LIFE INSURANCE COMPANY OF AMERICA | 127 | $39K |
| Life insurance | NIPPON LIFE INSURANCE COMPANY OF AMERICA | 127 | $39K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 127 | $106K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 127 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.