| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDWARD D SOMMER3 Filed as: EDWARD D.A. SOMMER | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | SUN LIFE ASSURANCE COMPANY OF CANADA | $95K | $0 | $95K | 13.81% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 1133 WESTCHESTER AVE SUITE S229 WHITE PLAINS, NY 10604 | SUN LIFE ASSURANCE COMPANY OF CANADA | $32K | $13K | $45K | 6.47% |
| EDWARD D SOMMER3 | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | STANDARD INSURANCE COMPANY | $8K | $0 | $8K | 6.21% |
| ADP INC3 Filed as: ADP INC. | PO BOX 842875 BOSTON, MA 02284 | STANDARD INSURANCE COMPANY | $0 | $4K | $4K | 3.45% |
| EDWARD D SOMMER3 Filed as: EDWARD DA SOMMER | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.96% |
| OVERALL BENEFITS GROUP LLC3 | 324 STRAW COURT PATASKALA, OH 43062 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $594 | $5K | 19.89% |
| EDWARD D SOMMER3 | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $101 | $1K | 4.81% |
| JUSTIN J MCDONALD3 | 12052 PEPPERMILL LANE PICKERINGTON, OH 43147 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $871 | $239 | $1K | 4.71% |
| HEALTHCARE REFORM ALTERNATIVES LLC3 | 2706 BAR HARBOR CT. LEWIS CENTER, OH 43035 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $371 | $0 | $371 | 1.58% |
| JAMES C BOOKER3 Filed as: JAMES D THOMAS | 715 LARKSPUR WAY PICKERINGTON, OH 43147 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $294 | $0 | $294 | 1.25% |
| JAMIE STRIPE3 | 113 E. SPRING AVE. BELLEFONTAINE, OH 43311 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $220 | $72 | $292 | 1.24% |
| JENNIFER LOEFFLER3 | 4455 MASON ROAD CANAL WINCHESTER, OH 43110 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $135 | $128 | $263 | 1.12% |
| LISA R CANFIELD3 | 324 STRAW COURT PATASKALA, OH 43062 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $153 | $54 | $207 | 0.88% |
| ANCILLARY PLAN SOLUTIONS INC3 | 6351 LAKE MATHIAS DRIVE NEW ALBANY, OH 43054 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $49 | $0 | $49 | 0.21% |
| MICHAL W BOYES3 | 7587 HONDA HILLS RD. THORNVILLE, OH 43076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $44 | $0 | $44 | 0.19% |
| NICK WISDA3 | 2196 TOWNSHIP RD 55 NEVADA, OH 44849 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28 | $0 | $28 | 0.12% |
| HOWARD MESZAROS3 | 8680 COLVIN DRIVE PLAIN CITY, OH 43064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $0 | $8 | 0.03% |
| EDWARD D SOMMER3 Filed as: EDWARD DA SOMMER | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | AFLAC | $904 | $0 | $904 | 4.25% |
| KIMBERLY NIETO3 | 5419 CLUB DRIVE WESTERVILLE, OH 43082 | AFLAC | $564 | $92 | $656 | 3.08% |
| HENSLEY AND ASSOCIATES LLC3 Filed as: HENSLEY AND ASSOCIATES | 9465 RIVERA DRIVE UNION, KY 41091 | AFLAC | $272 | $0 | $272 | 1.28% |
| JAMES A BURRESS3 | 8755 OGDEN DUNES DRIVE CAMBY, IN 46113 | AFLAC | $144 | $0 | $144 | 0.68% |
| AMBER D STEIN3 | 14966 ROBINS ROAD JOHNSTOWN, OH 43031 | AFLAC | $137 | $0 | $137 | 0.64% |
| STEVE NIETO3 | 5419 CLUB DRIVE WESTERVILLE, OH 43082 | AFLAC | $123 | $0 | $123 | 0.58% |
| KRISTIN LEE CHAPMAN3 | 5074 BUFFALO RUN WESTERVILLE, OH 43081 | AFLAC | $103 | $0 | $103 | 0.48% |
| ASSURED NEACE LUKENS INS. AGENCY3 Filed as: CHRISTOPHER ALLEN NEECE | 11460 WOODBRIDGE LN NW BALTIMORE, OH 43105 | AFLAC | $95 | $0 | $95 | 0.45% |
| WHITNEY NIETO3 | 2601 ADGATE ROAD LIMA, OH 45805 | AFLAC | $90 | $0 | $90 | 0.42% |
| MARI GYURCSIK3 | 43 N. STANWOOD ROAD COLUMBUS, OH 43209 | AFLAC | $84 | $0 | $84 | 0.39% |
| ANDREW J LOEWEN3 | 538 BROCKHAMPTON LAN WESTERVILLE, OH 43082 | AFLAC | $58 | $0 | $58 | 0.27% |
| SCOTT MASKO3 | 728 GALAXY DRIVE WEST NEWTON, PA 15089 | AFLAC | $43 | $0 | $43 | 0.20% |
| CAMERON CARRILLO3 Filed as: CAMERON D CARRILLO | 61503 ORION DRIVE BEND, OR 97702 | AFLAC | $34 | $0 | $34 | 0.16% |
| HARE AND ASSOCIATES LLC3 | 6324 TARTON FIELDS LANE MASON, OH 45040 | AFLAC | $33 | $0 | $33 | 0.16% |
| ROBERT P HARE3 | 6324 TARTON FIELDS LANE MASON, OH 45040 | AFLAC | $33 | $0 | $33 | 0.16% |
| MARTIN J LEWIS3 | 450 W WILSON BRIDGE ROAD SUITE 110 WORTHINGTON, OH 43085 | AFLAC | $12 | $19 | $31 | 0.15% |
| MARTIN J LEWIS3 | 7503 INWOOD DRIVE HOUSTON, TX 77063 | AFLAC | $18 | $0 | $18 | 0.08% |
| LANCE SHNIDER3 Filed as: LANCE V SHNIDER | 6873 NEW ALBANY LINK DRIVE NEW ALBANY, OH 43054 | AFLAC | $16 | $0 | $16 | 0.08% |
| PAULA C. FRIZZELL3 Filed as: PAULA C FRIZZELL | 945 STAR SHOOT PARKWAY LEXINGTON, KY 40509 | AFLAC | $15 | $0 | $15 | 0.07% |
| THE PROFECTUS GROUP LLC3 | 450 W. WILSON BRIDGE ROAD SUITE 110 WORTHINGTON, OH 43085 | AFLAC | $11 | $2 | $13 | 0.06% |
| BRIAN J DAY3 | 13189 HITCHING POST ROAD DEWITT, MI 48820 | AFLAC | $12 | $0 | $12 | 0.06% |
| JOHNNY HENSLEY JR3 Filed as: JOHNNY HENSLEY | 975 SAUTTER DRIVE MANSFIELD, OH 44904 | AFLAC | $11 | $0 | $11 | 0.05% |
| RONALD L HUGGINS JR3 Filed as: RONALD HUGGINS JR | 5204 WOLF RUN DRIVE COLUMBUS, OH 43230 | AFLAC | $10 | $0 | $10 | 0.05% |
| BRUCE MEYER3 | 10800 WINCHCOMBE DRIVE DUBLIN, OH 43016 | AFLAC | $7 | $0 | $7 | 0.03% |
| MICHAEL J QUINN3 | 8580 MAJORCA LANE NAPLES, FL 34114 | AFLAC | $3 | $0 | $3 | 0.01% |
| JACK A SHADE3 | 1878 VERDICT RIDGE DRIVE DENVER, NC 28037 | AFLAC | $2 | $0 | $2 | 0.01% |
| JOHN D SUSIE3 | 8682 HAWICK CT. N DUBLIN, OH 43017 | AFLAC | $1 | $0 | $1 | 0.00% |
| OPPORTUNITY INC3 Filed as: OPPORTUNITY INC. | 9404 WOODCHIP LANE BROADVIEW HEIGHTS, OH 44147 | AFLAC | $1 | $0 | $1 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DELTA DENTAL OF OHIO EIN 31-0685339 BENEFIT ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $11K |
| EDWARD A SOMMER AGENT | Insurance agents and brokers Service code 22 | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | $559 |
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 | 285 | 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) | 285 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 214 | $43K |
| Life insurance | STANDARD INSURANCE COMPANY | 285 | $128K |
| Long-term disability | STANDARD INSURANCE COMPANY | 285 | $128K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 208 | $691K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 18 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 285 | — |
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.