| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDWARD D SOMMER3 Filed as: EDWARD D. SOMMER | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | MEDICAL MUTUAL OF OHIO | $28K | $0 | $28K | 3.97% |
| EDWARD D SOMMER3 Filed as: EDWARD D. SOMMER | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | DELTA DENTAL OF OHIO | $4K | $584 | $4K | 7.16% |
| BROKERNET INC3 | 110 NORTHWOODS BOULEVARD COLUMBUS, OH 43235 | DELTA DENTAL OF OHIO | $3K | $0 | $3K | 4.97% |
| EDWARD D SOMMER3 Filed as: EDWARD D. SOMMER | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $0 | $7K | 12.67% |
| EDWARD D SOMMER3 Filed as: EDWARD D. SOMMER | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | VISION SERVICE PLAN | $841 | $0 | $841 | 6.73% |
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 | 103 | 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) | 103 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL OF OHIO | 103 | $706K |
| Dental | DELTA DENTAL OF OHIO | 240 | $61K |
| Vision | VISION SERVICE PLAN | 92 | $12K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 103 | $53K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 103 | $53K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 103 | $53K |
| Prescription drug | MEDICAL MUTUAL OF OHIO | 103 | $706K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 103 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 240 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.