| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| OPOC INSURANCE SERVICES LLC3 | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | COMMUNITY INSURANCE COMPANY | $4K | $1K | $5K | 1.41% |
| REB CONSULTING, INC.3 | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 15.75% |
| SOMMER, EDWARD D3 | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 19.75% |
| CROWN INSURANCE INC3 Filed as: CROWN BENEFITS, LLC | PO BOX 2157 WESTERVILLE, OH 43086 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $33 | $0 | $33 | 0.51% |
| REB CONSULTING, INC.3 | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5 | $0 | $5 | 0.08% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMMUNITY INSURANCE COMPANY EIN 31-1440175 ADMINISTRATION | Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Contract Administrator; Claims processing; Float revenue Service code 12 | — | $163K |
| OPOC INSURANCE SERVICES, LLC BROKER | Insurance agents and brokers; Other commissions; Insurance brokerage commissions and fees Service code 22 | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | $34K |
| INTERFLEX PAYMENTS, LLC EIN 27-2256926 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $14K |
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 | 152 | 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) | 152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 157 | $340K |
| Dental | COMMUNITY INSURANCE COMPANY | 157 | $340K |
| Vision | COMMUNITY INSURANCE COMPANY | 157 | $340K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 545 | $7K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 545 | $7K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 545 | $7K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 545 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 545 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.