| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| OPOC INSURANCE SERVICES LLC3 Filed as: OPOC INSURANCE SERVICE, LLC | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | MEDICAL MUTUAL | $37K | $851 | $38K | 2.85% |
| OPOC INSURANCE SERVICES LLC3 Filed as: OPOC INSURANCE SERVICE, LLC | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | SUPERIOR DENTAL CARE, A MEDICAL MUTUAL COMPANY | $4K | $2 | $4K | 6.00% |
| REB CONSULTING, INC.3 | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 10.00% |
| BENEFIT MALL3 | 250 W. OLD WILSON BRIDGE ROAD SUITE 190 WORTHINGTON, OH 43085 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $179 | $1K | $2K | 5.67% |
| EDWARD D SOMMER3 | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $358 | $0 | $358 | 1.34% |
| OPOC INSURANCE SERVICES LLC3 Filed as: OPOC INSURANCE SERVICE, LLC | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | VISION BENEFITS OF AMERICA | $1K | $0 | $1K | 10.00% |
| REB CONSULTING, INC.3 Filed as: REB CONSULTING, INC. DBA OPOC.US IN | 300 W. WILSON BRIDGE RD SUITE 300 WORTHINGTON, OH 43085 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $642 | $0 | $642 | 15.00% |
| BENEFITMALL3 | 250 W. OLD WILSON BRIDGE RD. SUITE 190 WORTHINGTON, OH 43085 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $214 | $214 | 5.00% |
| REB CONSULTING, INC.3 | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $126 | $0 | $126 | 9.98% |
| BENEFITMALL3 | 250 W. OLD WILSON BRIDGE ROAD SUITE 190 WORTHINGTON, OH 43085 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $63 | $63 | 4.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INTERFLEX PAYMENTS, LLC EIN 27-2256926 CONTRACT ADMINSTRATOR | Contract Administrator Service code 13 | — | $23K |
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 | 289 | 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) | 289 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL | 153 | $1.3M |
| Vision(2 contracts, 2 carriers) | SUPERIOR DENTAL CARE, A MEDICAL MUTUAL COMPANY | 151 | $81K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 289 | $28K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 289 | $329 |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 289 | $4K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 289 | $1K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 289 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.