| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTERSTONE INSURANCE AND FINANCIAL3 | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $267 | $2K | 3.69% |
| USI INSURANCE SERVICES LLC3 | 7 EAST CONGRESS STREET, SUITE 1002 SAVANNAH, GA 31401 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $60 | $2K | 3.48% |
| EDWARD D SOMMER3 Filed as: EDWARD D. SOMMER | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | METROPOLITAN LIFE INSURANCE COMPANY | $702 | $0 | $702 | 1.13% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $355 | $355 | 0.57% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | COMPANION LIFE INSURANCE COMPANY | $5K | $0 | $5K | 7.67% |
| MAY INSURANCE SERVICES INC3 Filed as: MAY INSURANCE SERVICES, INC. | 110 NORTHWOODS BOULEVARD, SUITE C COLUMBUS, OH 43235 | COMPANION LIFE INSURANCE COMPANY | $5K | $0 | $5K | 7.52% |
| EDWARD D SOMMER3 Filed as: EDWARD D. SOMMER | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | COMPANION LIFE INSURANCE COMPANY | $4K | $0 | $4K | 7.36% |
| UNKNOWN3 | UNKNOWN EAST CLEVELAND, OH 44112 | COMPANION LIFE INSURANCE COMPANY | $0 | $31 | $31 | 0.05% |
| USI INSURANCE SERVICES LLC3 | 312 ELM STREET, 24TH FLOOR CINCINNATI, OH 45202 | CONSUMERS LIFE INSURANCE COMPANY | $3K | $835 | $3K | 11.71% |
| EDWARD D SOMMER3 Filed as: EDWARD D. SOMMER | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | CONSUMERS LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.96% |
| THE FEDELI GROUP3 Filed as: FEDELI GROUP, INC. | 5005 ROCKSIDE ROAD, 5TH FLOOR INDEPENDENCE, OH 44131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 6.73% |
| THE MCCLAIN GROUP LLC3 | 526 SCAIFE ROAD SEWICKLEY HEIGHTS, PA 15143 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 6.73% |
| USI INSURANCE SERVICES LLC3 | 1301 EAST NINTH STREET, SUITE 3800 CLEVELAND, OH 44114 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $351 | $0 | $351 | 3.18% |
| EDWARD D SOMMER3 Filed as: EDWARD D. SOMMER | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $310 | $0 | $310 | 2.81% |
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 | 322 | 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) | 322 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 244 | $62K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 214 | $11K |
| Life insurance | CONSUMERS LIFE INSURANCE COMPANY | 322 | $29K |
| Short-term disability | COMPANION LIFE INSURANCE COMPANY | 40 | $61K |
| Long-term disability | COMPANION LIFE INSURANCE COMPANY | 40 | $61K |
| Other(2 contracts, 2 carriers) | CONSUMERS LIFE INSURANCE COMPANY | 322 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 322 | — |
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.