| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REB CONSULTING, INC.3 Filed as: REB CONSULTING INC. | 300 W WILSON BRIDGE RD STE 300 WORTHINGTON, OH 430852299 | UNITEDHEALTHCARE INSURANCE COMPANY | $528 | — | $528 | 0.11% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE COLUMBUS | 250 W OLD WILSON BRIDGE RD STE 190 WORTHINGTON, OH 430852298 | UNITEDHEALTHCARE INSURANCE COMPANY | $264 | — | $264 | 0.06% |
| OPOC INSURANCE SERVICES LLC3 Filed as: OPOC INSURANCE SERVICES, LLC | 300 W WILSON BRIDGE RD STE 300 WORTHINGTON, OH 43085 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | — | $9K | 12.75% |
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 | 404 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 404 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 516 | $460K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 404 | $70K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 404 | $70K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 404 | $70K |
| Stop-loss / reinsurancereinsurance | UNITEDHEALTHCARE INSURANCE COMPANY | 516 | $460K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 404 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 516 | — |
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.