| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REDTAIL LTD3 | 9999 BREWSTER PLACE #100 POWELL, OH 43065 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $5K | $7K | 9.59% |
| EDWARD D SOMMER3 | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 1.66% |
| LIFETIME FINANCIAL GROWTH OF C3 | 8425 PULSAR PLACE #450 COLUMBUS, OH 43240 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6 | $0 | $6 | 0.01% |
| REB CONSULTING, INC.3 Filed as: REB CONSULTING INC. | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | ANTHEM LIFE INSURANCE COMPANY | $418 | $0 | $418 | 5.04% |
| THOMPSON BENEFIT SOLUTIONS INC.3 | 2036 W. FOURTH STREET MANSFIELD, OH 44906 | ANTHEM LIFE INSURANCE COMPANY | $272 | $0 | $272 | 3.28% |
| HUMMEL GROUP INC3 Filed as: HUMMEL GROUP INC. | PO BOX 3 ORRVILLE, OH 44667 | ANTHEM LIFE INSURANCE COMPANY | $140 | $0 | $140 | 1.69% |
| BROKERNET INC3 Filed as: BROKERNET INC. | 110 NORTHWOODS BLVD. SUITE C COLUMBUS, OH 43235 | ANTHEM LIFE INSURANCE COMPANY | $125 | $0 | $125 | 1.51% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $62K |
| EDWARD D SOMMER EIN 20-8075654 BROKER | Other commissions Service code 55 | 300 W. WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OK 43085 | $9K |
| REDTAIL LTD EIN 31-1460617 BROKER | Other commissions Service code 55 | 9999 BREWSTER LN #100 POWELL, OH 43065 | $9K |
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 | 108 | 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) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 84 | $75K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 84 | $75K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 109 | $8K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE | 77 | $191K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 109 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.