| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT RESOURCES, INC.3 Filed as: BENEFIT RESOURCES, INC | 7438 JAGER COURT CINCINNATI, OH 45230 | ZURICH NORTH AMERICAN INSURANCE COMPANY | $32K | $0 | $32K | 7.80% |
| EDWARD D SOMMER3 | 300 W WILSON BRIDGE RD #300 WORTHINGTON, OH 43085 | ZURICH NORTH AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 0.86% |
| SOMMER, EDWARD D3 | 300 W WILSON BRIDGE RD STE 300 WORTHINGTON, OH 43085 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 9.51% |
| SOMMER, EDWARD D3 | 300 W WILSON BRIDGE RD STE 300 WORTHINGTON, OH 43085 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $0 | $9K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED MEDICAL RES. EIN 31-1078580 CLAIMS PROC-ESSING | Claims processing Service code 12 | 5151 PFEIFFER ROAD CINCINNATI, OH 452424805 | $144K |
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 | 454 | 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) | 454 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ZURICH NORTH AMERICAN INSURANCE COMPANY | 264 | $409K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 454 | $128K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 454 | $66K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 454 | $128K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 454 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.