| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDWARD D SOMMER3 | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | MEDICAL MUTUAL | $48K | $21K | $69K | 14.57% |
| EDWARD D SOMMER3 Filed as: EDWARD SOMMER | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | DELTA DENTAL OF OHIO | $2K | $413 | $3K | 7.21% |
| BROKERNET INC3 Filed as: BROKERNET, INC. JOHN MAY | 110 NORTHWOODS BLVD. SUITE C COLUMBUS, OH 43235 | DELTA DENTAL OF OHIO | $2K | $0 | $2K | 4.92% |
| EDWARD D SOMMER3 Filed as: EDWARD DA SOMMER | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | AMERICAN UNITED LIFE INSURANCE COMPANY | $5K | $0 | $5K | 19.44% |
| EDWARD D SOMMER3 Filed as: EDWARD SOMMER | 300 W. WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $468 | $9 | $477 | 7.74% |
| OVERALL BENEFITS GROUP LLC3 | 324 STRAW COURT PATASKALA, OH 43062 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $155 | $103 | $258 | 4.19% |
| JENNIFER LOEFFLER3 | 4455 MASON ROAD CANAL WINCHESTER, OH 43110 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $154 | $93 | $247 | 4.01% |
| LISA R CANFIELD3 | 324 STRAW COURT PATASKALA, OH 43064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $128 | $34 | $162 | 2.63% |
| HOWARD MESZAROS3 | 8680 COLVIN DRIVE PLAIN CITY, OH 43065 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $77 | $0 | $77 | 1.25% |
| MARK CHRISTOPHER MOTZ3 | 85 EPERNAY AVENUE PATASKALA, OH 43062 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $38 | $5 | $43 | 0.70% |
| RACHELL THOMAS3 | 8584 ROBBINS LOOP DRIVE REYNOLDSBURG, OH 43068 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | $0 | $19 | 0.31% |
| EDWARD D SOMMER3 Filed as: EDWARD DA SOMMER | 300 W WILSON BRIDGE RD WORTHINGTON, OH 430852279 | NATIONWIDE LIFE INSURANCE COMPANY | $534 | $0 | $534 | 9.96% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INTERFLEX PAYMENTS, LLC EIN 27-2256926 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $15K |
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 | 170 | 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) | 170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL | 128 | $474K |
| Dental | DELTA DENTAL OF OHIO | 141 | $39K |
| Vision | NATIONWIDE LIFE INSURANCE COMPANY | 81 | $5K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 153 | $27K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 153 | $27K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 153 | $27K |
| Other(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 153 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 153 | — |
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.