| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REB CONSULTING, INC.3 Filed as: REB CONSULTING INC | 300 W WILSON BRIDGE RD., SUITE 300 WORTHINGTON, OH 43085 | ANTHEM INSURANCE COMPANIES, INC. | $42K | $0 | $42K | 4.56% |
| EDWARD D SOMMER3 | 300 W WILSON BRIDGE RD, STE 300 WORTHINGTON, OH 430852299 | UNITED HEALTHCARE INSURANCE COMPANY | $35K | $0 | $35K | 4.93% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE COLUMBUS | 250 W OLD WILSON BRIDGE RD, STE 190 WORTHINGTON, OH 43085 | UNITED HEALTHCARE INSURANCE COMPANY | $7K | $0 | $7K | 0.93% |
| EDWARD D SOMMER3 Filed as: EDWARD D. SOMMER | 300 W. WILSON BRIDGE RD, SUITE 300 WORTHINGTON, OH 43085 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $1K | $6K | 6.86% |
| REB CONSULTING, INC.3 Filed as: REB CONSULTING INC | 300 W WILSON BRIDGE RD., SUITE 300 WORTHINGTON, OH 43085 | ANTHEM INSURANCE COMPANIES | $4K | $0 | $4K | 5.00% |
| EDWARD D SOMMER3 Filed as: EDWARD D. SOMMER | 300 W. WILSON BRIDGE RD, SUITE 300 WORTHINGTON, OH 43085 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $521 | $2K | 2.49% |
| EDWARD D SOMMER3 Filed as: EDWARD D. SOMMER | 300 W. WILSON BRIDGE RD, SUITE 300 WORTHINGTON, OH 43085 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $608 | $6K | 14.36% |
| EDWARD D SOMMER3 | 300 W WILSON BRIDGE RD., SUITE 300 WORTHINGTON, OH 43085 | UNITED HEALTHCARE INSURANCE COMPANY | $2K | $0 | $2K | 9.71% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE COLUMBUS | 250 W OLD WILSON BRIDGE RD. STE 190 WORTHINGTON, OH 43085 | UNITED HEALTHCARE INSURANCE COMPANY | $478 | $0 | $478 | 1.94% |
| EDWARD D SOMMER3 Filed as: EDWARD D. SOMMER | 300 W. WILSON BRIDGE RD, SUITE 300 WORTHINGTON, OH 43085 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $825 | $123 | $948 | 11.49% |
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 | 365 | 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) | 365 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 234 | $709K |
| Dental(2 contracts, 2 carriers) | ANTHEM INSURANCE COMPANIES | 242 | $145K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 197 | $25K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 342 | $47K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 342 | $92K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 342 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 342 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.