| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REB CONSULTING, INC.3 | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | DELTA DENTAL OF OHIO | $2K | $0 | $2K | 11.35% |
| BROKERNET INC3 Filed as: BROKERNET, INC. | 110 NORTHWOODS BLVD. COLUMBUS, OH 43235 | DELTA DENTAL OF OHIO | $796 | $173 | $969 | 6.15% |
| REB CONSULTING, INC.3 | 300 WEST WILSON BRIDGE ROAD #300 WORTHINGTON, OH 43085 | MADISON NATIONAL LIFE INSURANCE CO. | $1K | $0 | $1K | 10.00% |
| NORTH AMERICAN BENEFITS COMPANY3 Filed as: NORTH AMERICAN BENEFITS CO. | 20 VALLEY STREAM PKWY MALVERN, PA 19355 | MADISON NATIONAL LIFE INSURANCE CO. | $0 | $892 | $892 | 6.75% |
| IHC SPECIALTY BENEFITS INC3 Filed as: IHC SPECIALTY BENEFITS | 5353 WAYZATA BLVD UNIT 300 ST LOUIS PARK, MN 55416 | MADISON NATIONAL LIFE INSURANCE CO. | $660 | $0 | $660 | 5.00% |
| OPOC INSURANCE SERVICES LLC3 | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | HUMANA INSURANCE COMPANY | $512 | $0 | $512 | 8.28% |
| REB CONSULTING, INC.3 | 300 WEST WILSON BRIDGE ROAD WORTHINGTON, OH 43085 | DELTA DENTAL OF OHIO | $317 | $0 | $317 | 8.68% |
| BROKERNET INC3 Filed as: BROKERNET | 110 NORTHWOODS BLVD. #C COLUMBUS, OH 43235 | DELTA DENTAL OF OHIO | $95 | $0 | $95 | 2.60% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INTERFLEX PAYMENTS, LLC EIN 27-2256926 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $7K |
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 | 43 | 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) | 43 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | THP INSURANCE PLAN | 0 | $298K |
| Dental | DELTA DENTAL OF OHIO | 69 | $16K |
| Life insurance(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 62 | $10K |
| Short-term disability | MADISON NATIONAL LIFE INSURANCE CO. | 58 | $13K |
| Long-term disability | MADISON NATIONAL LIFE INSURANCE CO. | 58 | $13K |
| Stop-loss / reinsurancereinsurance | THP INSURANCE PLAN | 0 | $298K |
| Other | HUMANA INSURANCE COMPANY | 59 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 69 | — |
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.