| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE | 1133 WESTCHESTER AVE. SUITE S229 WHITE PLAINS, NY 10604 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $5K | $5K | 1.08% |
| UMR, INC.3 Filed as: UMR | 5151 PFEIFFER ROAD ML 400 PFEIFFER WOODS CINCINN, OH 45242 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $3K | $3K | 0.57% |
| EDAWARD A SOMMER3 | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | DELTA DENTAL OF OHIO | $3K | $936 | $4K | 8.20% |
| BROKERNET INC3 Filed as: BROKERNET INC. | 110 NORTHWOODS BLVD. SUITE C COLUMBUS, OH 43235 | DELTA DENTAL OF OHIO | $2K | $0 | $2K | 4.91% |
| EDWARD D SOMMER3 Filed as: EDWARD ARON SOMMER | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | PRINCIPAL LIFE INSURANCE COMPANY | $774 | $506 | $1K | 7.56% |
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 | 117 | 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) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OHIO | 199 | $45K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 209 | $17K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 209 | $17K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 83 | $484K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 209 | — |
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."
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.