| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REB CONSULTING, INC.3 Filed as: REB CONSULTING INC. | 300 W. WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | COMMUNITY INSURANCE COMPANY | $28K | $0 | $28K | 3.92% |
| BROKERNET INC3 Filed as: BROKERNET INC. | 110 NORTHWOODS BLVD. SUITE C COLUMBUS, OH 43235 | COMMUNITY INSURANCE COMPANY | $7K | $3K | $10K | 1.41% |
| EDWARD D SOMMER3 | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 4.11% |
| LIFETIME FINANCIAL GROWTH OF C3 | 8425 PULSAR PL #450 COLUMBUS, OH 43240 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $16 | $0 | $16 | 0.02% |
| EDWARD D SOMMER3 Filed as: EDWARD DA SOMMER | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | NIPPON LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 9.12% |
| SOMMER, EDWARD D3 Filed as: DA SOMMER, EDWARD | 300 W. WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | NATIONWIDE LIFE INSURANCE COMPANY | $935 | $0 | $935 | 10.01% |
| SOMMER, EDWARD D3 Filed as: SOMMER, EDWARD | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | UNUM LIFE INSURANCE COMPANY | $1K | $0 | $1K | 12.11% |
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 | 127 | 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) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 104 | $714K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 91 | $77K |
| Vision | NATIONWIDE LIFE INSURANCE COMPANY | 71 | $9K |
| Life insurance | UNUM LIFE INSURANCE COMPANY | 64 | $8K |
| Short-term disability | NIPPON LIFE INSURANCE COMPANY OF AMERICA | 68 | $12K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY | 64 | $8K |
| Other | UNUM LIFE INSURANCE COMPANY | 64 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 104 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.