| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| OPOC INSURANCE SERVICES LLC3 Filed as: OPOC INSURANCE SERVICES, LLC | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | COMMUNITY INSURANCE COMPANY | $39K | $1K | $40K | 3.43% |
| OPOC INSURANCE SERVICES LLC3 Filed as: OPOC INSURANCE SERVICES, LLC | 300 WEST WILSON BRIDGE ROAD STREET WORTHINGTON, OH 43085 | HUMANA INSURANCE COMPANY | $4K | $0 | $4K | 6.47% |
| OPOC INSURANCE SERVICES LLC3 Filed as: OPOC INSURANCE SERVICES, LLC | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $315 | $0 | $315 | 2.91% |
| EDWARD D SOMMER3 Filed as: EDWARD D. SOMMER | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $180 | $0 | $180 | 1.67% |
| JAIME SOMMER3 Filed as: JAIME N. SOMMER | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $46 | $0 | $46 | 0.43% |
| OPOC INSURANCE SERVICES LLC3 Filed as: OPOC INSURANCE SERVICES, LLC | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | PRINCIPAL LIFE INSURANCE COMPANY | $693 | $0 | $693 | 11.71% |
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 | 141 | 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) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 180 | $1.2M |
| Dental | HUMANA INSURANCE COMPANY | 89 | $59K |
| Vision | HUMANA INSURANCE COMPANY | 89 | $59K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 140 | $11K |
| Prescription drug | COMMUNITY INSURANCE COMPANY | 180 | $1.2M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 140 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 180 | — |
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.