| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDWARD D SOMMER3 | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $20K | $20K | 2.15% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE COLUMBUS | 250 W. OLD WILSON BRIDGE RD. SUITE 190 WORTHINGTON, OH 43085 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | $753 | $4K | 0.47% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE COLUMBUS | 250 W OLD WILSON BRIDGE RD STE 190 WORTHINGTON, OH 430852298 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 4.18% |
| EDWARD D SOMMER3 | 300 W WILSON BRDIGE RD STE 300 WORTHINGTON, OH 430852299 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 2.93% |
| REB CONSULTING, INC.3 | 300 W WILSON BRIDGE RD STE 300 WORTHINGTON, OH 43085 | UNITEDHEALTHCARE INSURANCE COMPANY | $976 | — | $976 | 1.25% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 8044 MONTGOMERY ROAD SUITE 640 CINCINNATI, OH 45236 | UNITEDHEALTHCARE INSURANCE COMPANY | $322 | — | $322 | 0.41% |
| EDWARD D SOMMER3 | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | PRINCIPAL LIFE INSURANCE COMPANY | $356 | — | $356 | 2.92% |
| REB CONSULTING, INC.3 | 300 W WILSON BRIDGE RD STE 300 WORTHINGTON, OH 43085 | PRINCIPAL LIFE INSURANCE COMPANY | $153 | — | $153 | 1.25% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 8044 MONTGOMERY ROAD SUITE 640 CINCINNATI, OH 45236 | PRINCIPAL LIFE INSURANCE COMPANY | $102 | — | $102 | 0.84% |
| EDWARD D SOMMER3 | 300 W WILSON BRIDGE RD STE 300 COLUMBUS, OH 43085 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 38.16% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE COLUMBUS | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | UNITEDHEALTHCARE INSURANCE COMPANY | $494 | — | $494 | 5.91% |
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 | 114 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 75 | $943K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 81 | $78K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 148 | $12K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 114 | $8K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 112 | $14K |
| Other(3 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 114 | $950K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 148 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.