| 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 | $83K | $0 | $83K | 10.97% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 1133 WESTCHESTER AVE SUITE S229 WHITE PLAINS, NY 10604 | SUN LIFE ASSURANCE COMPANY OF CANADA | $40K | $0 | $40K | 5.28% |
| REB CONSULTING, INC.3 | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | SUN LIFE ASSURANCE COMPANY OF CANADA | $37K | $0 | $37K | 4.88% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 12404 PARK CENTRAL DRIVE SUITE 400 DALLAS, TX 75251 | SUN LIFE ASSURANCE COMPANY OF CANADA | $12K | $0 | $12K | 1.62% |
| EDWARD D SOMMER3 | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | STANDARD INSURANCE COMPANY | $6K | $0 | $6K | 5.15% |
| ADP INC3 Filed as: ADP INC. | PO BOX 842875 AR # 752787 BOSTON, MA 02284 | STANDARD INSURANCE COMPANY | $0 | $2K | $2K | 2.05% |
| REB CONSULTING, INC.3 | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 1.30% |
| ADP INC3 Filed as: ADP INC. | PO BOX 842875 AR #1400974 BOSTON, MA 02284 | STANDARD INSURANCE COMPANY | $0 | $1K | $1K | 1.24% |
| REB CONSULTING, INC.3 | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.59% |
| EDWARD D SOMMER3 Filed as: EDWARD DA SOMMER | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | VISION SERVICE PLAN | $606 | $0 | $606 | 1.40% |
| HEALTHCARE REFORM ALTERNATIVES LLC3 | 2706 BAR HARBOR CT. LEWIS CENTER, OH 43035 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $300 | $0 | $300 | 1.54% |
| JAMES C BOOKER3 Filed as: JAMES D THOMAS | 715 LARKSPUR WAY PICKERINGTON, OH 43147 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $260 | $0 | $260 | 1.33% |
| EDWARD D SOMMER3 | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $126 | $0 | $126 | 0.65% |
| DANIEL THOMAS CANFIELD3 | 9255 HIGH POINT RD. THORNVILLE, OH 43076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $101 | $0 | $101 | 0.52% |
| JUSTIN J MCDONALD3 | 12052 PEPPERMILL LANE PICKERINGTON, OH 43147 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $94 | $0 | $94 | 0.48% |
| LISA R CANFIELD3 | 324 STRAW COURT PATASKALA, OH 43062 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $47 | $0 | $47 | 0.24% |
| MICHAL W BOYES3 | 7587 HONDA HILLS RD. THORNVILLE, OH 43076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $36 | $0 | $36 | 0.18% |
| JENNIFER LOEFFLER3 | 4455 MASON ROAD CANAL WINCHESTER, OH 43110 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | $0 | $29 | 0.15% |
| NICK WISDA3 | 2196 TOWNSHIP RD 55 NEVADA, OH 44849 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | $0 | $25 | 0.13% |
| REB CONSULTING, INC.3 | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | $0 | $23 | 0.12% |
| OVERALL BENEFITS GROUP LLC3 | 324 STRAW COURT PATASKALA, OH 43062 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $0 | $9 | 0.05% |
| HOWARD MESZAROS3 | 8680 COLVIN DRIVE PLAIN CITY, OH 43064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $0 | $8 | 0.04% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ECHELON GROUP, LLC BROKER | Insurance agents and brokers Service code 22 | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | $95K |
| PHOENIX ADMINISTRATORS EIN 47-4998645 TPA | Plan Administrator Service code 14 | — | $66K |
| QUALITY CARE PARTNERS, INC EIN 31-4998645 PROVIDER | Contract Administrator; Claims processing Service code 12 | — | $58K |
| DELTA DENTAL OF OHIO EIN 31-0685339 BENEFIT ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $10K |
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 | 283 | 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) | 283 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 202 | $43K |
| Life insurance | STANDARD INSURANCE COMPANY | 281 | $116K |
| Long-term disability | STANDARD INSURANCE COMPANY | 281 | $116K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 208 | $756K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 15 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 281 | — |
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."
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.