| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REB CONSULTING, INC.3 Filed as: REB CONSULTING INC. | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | COMMUNITY INSURANCE COMPANY | $18K | $0 | $18K | 2.51% |
| OPOC INSURANCE SERVICES LLC3 Filed as: OPOC | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | SIDECAR HEALTH INSURANCE COMPANY | $3K | $0 | $3K | 2.28% |
| BENEFITMALL3 | 250 W. OLD WILSON BRIDGE RD. SUITE 190 WORTHINGTON, OH 43085 | SIDECAR HEALTH INSURANCE COMPANY | $1K | $0 | $1K | 0.83% |
| EDWARD D SOMMER3 | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | $5K | $10K | 14.56% |
| EDWARD D SOMMER3 Filed as: EDWARD DA SOMMER | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $78 | $0 | $78 | 5.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| NAVIA BENEFITS EIN 91-1467758 CLAIMS PROCESSING | Claims processing Service code 12 | PO BOX 53250 BELLEVUE, WA 98015 | $5K |
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 | 120 | 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) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | COMMUNITY INSURANCE COMPANY | 171 | $871K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 285 | $68K |
| Vision(2 contracts, 2 carriers) | COMMUNITY INSURANCE COMPANY | 285 | $795K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 285 | $70K |
| Prescription drug | SIDECAR HEALTH INSURANCE COMPANY | 171 | $144K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 285 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 285 | — |
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."
No prospect flags tripped on this filing.