| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FINANCIAL SERVI | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 3.95% |
| EDWARD SOMMER3 | 300 W WILSON BRIDGE RD SUITE 300 WORTHINGTON, OH 43085 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 3.15% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FINANCIAL SERVI | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | METROPOLITAN LIFE INSURANCE COMPANY | — | $25 | $25 | 0.04% |
| EDWARD SOMMER3 | 300 WEST WILSON BRIDGE RD SUITE 300 WORTHINGTON, OH 43085 | COMPANION LIFE INSURANCE COMPANY | $7K | — | $7K | 13.65% |
| MAY INSURANCE SERVICES INC3 | 110 NORTHWOODS BOULEVARD SUITE C COLUMBUS, OH 43235 | COMPANION LIFE INSURANCE COMPANY | $3K | — | $3K | 6.82% |
| EDWARD D SOMMER3 | 300 WEST WILSON BRIDGE RD SUITE 300 WORTHINGTON, OH 43085 | CONSUMERS LIFE INSURANCE COMPANY | $4K | — | $4K | 13.64% |
| EDWARD D SOMMER3 | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | COMPANION LIFE INSURANCE COMPANY | $3K | — | $3K | 13.80% |
| MAY INSURANCE SERVICES INC3 | 110 NORTHWOODS BOULEVARD SUITE C COLUMBUS, OH 43235 | COMPANION LIFE INSURANCE COMPANY | $1K | — | $1K | 6.90% |
| THE FEDELI GROUP3 Filed as: FEDELI GROUP INC | 5005 ROCKSIDE ROAD 5TH FLOOR INDEPENDENCE, OH 44131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 9.21% |
| THE MCCLAIN GROUP LLC3 | 526 SCAIFE ROAD SEWICKLEY HEIGHTS, PA 15143 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 9.21% |
| EDWARD D SOMMER3 | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $655 | — | $655 | 5.87% |
| THE MCCLAIN GROUP LLC3 | 526 SCAIFE ROAD SEWICKLEY HEIGHTS, PA 15143 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 12.13% |
| THE FEDELI GROUP3 Filed as: FEDELI GROUP INC | 5005 ROCKSIDE ROAD 5TH FLOOR, SUITE 500 INDEPENDENCE, OH 44131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 12.13% |
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 | 201 | 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) | 201 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 252 | $56K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 199 | $11K |
| Life insurance | CONSUMERS LIFE INSURANCE COMPANY | 298 | $28K |
| Short-term disability(2 contracts) | COMPANION LIFE INSURANCE COMPANY | 50 | $71K |
| Long-term disability(2 contracts) | COMPANION LIFE INSURANCE COMPANY | 50 | $71K |
| Other(3 contracts, 2 carriers) | CONSUMERS LIFE INSURANCE COMPANY | 298 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 298 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.