| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDWARD D SOMMER3 | 300 W WILSON BRIDGE RD, STE 300 WORTHINGTON, OH 430852299 | UNITED HEALTHCARE INSURANCE COMPANY | $96K | — | $96K | 4.32% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE COLUMBUS | 250 W OLD WILSON BRIDGE RD, STE 190 WORTHINGTON, OH 43085 | UNITED HEALTHCARE INSURANCE COMPANY | $19K | — | $19K | 0.88% |
| EDWARD D SOMMER3 Filed as: EDWARD D. SOMMER | 300 W. WILSON BRIDGE RD, SUITE 300 WORTHINGTON, OH 43085 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 3.49% |
| EDWARD D SOMMER3 Filed as: EDWARD D. SOMMER | 300 W WILSON BRIDGE ROAD, SUITE 300 WORTHINGTON, OH 43085 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $197 | — | $197 | 0.25% |
| EDWARD D SOMMER3 Filed as: EDWARD D. SOMMER | 300 W WILSON BRIDGE ROAD, SUITE 300 WORTHINGTON, OH 43085 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $699 | — | $699 | 1.13% |
| EDWARD D SOMMER3 Filed as: EDWARD D. SOMMER | 300 W. WILSON BRIDGE RD, SUITE 300 WORTHINGTON, OH 43085 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 6.97% |
| EDWARD D SOMMER3 Filed as: EDWARD D. SOMMER | 300 W. WILSON BRIDGE RD, SUITE 300 WORTHINGTON, OH 43085 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| EDWARD D SOMMER3 Filed as: EDWARD D. SOMMER | 300 W. WILSON BRIDGE ROAD, SUITE 30 WORTHINGTON, OH 43085 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| EDWARD D SOMMER3 Filed as: EDWARD D. SOMMER | 300 W WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| EDWARD D SOMMER3 Filed as: EDWARD D. SOMMER | 300 W. WILSON BRIDGE RD, SUITE 300 WORTHINGTON, OH 43085 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $553 | — | $553 | 10.00% |
| EDWARD D SOMMER3 Filed as: EDWARD D. SOMMER | 300 W WILSON BRIDGE ROAD, SUITE 300 WORTHINGTON, OH 43805 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $494 | — | $494 | 10.16% |
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 | 434 | 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) | 434 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 552 | $2.2M |
| Dental(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 328 | $175K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 256 | $16K |
| Life insurance(4 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 451 | $57K |
| Short-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 450 | $123K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 451 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 552 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.