| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDWARD D SOMMER3 | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $40K | $40K | 1.85% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE COLUMBUS | 250 WEST OLD WILSON BRIDGE ROAD SUITE 190 WORTHINGTON, OH 43085 | UNITEDHEALTHCARE INSURANCE COMPANY | $11K | — | $11K | 0.51% |
| REB CONSULTING, INC.3 Filed as: REB CONSULTING INC | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | COMMUNITY INSURANCE COMPANY | $3K | — | $3K | 3.00% |
| EDWARD D SOMMER3 | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $5K | 8.52% |
| EDWARD D SOMMER3 | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $889 | $5K | 10.59% |
| EDWARD D SOMMER3 | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $680 | $6K | 15.41% |
| EDWARD D SOMMER3 | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $399 | $3K | 11.75% |
| EDWARD D SOMMER3 Filed as: EDWARD D A SOMMER | 300 WEST WILSON BRIDGE ROAD WORTHINGTON, OH 43085 | EYEMED VISION CARE | $2K | — | $2K | 9.07% |
| JAMES A VANDIVER3 Filed as: JAMES RYAN | 1429 KING AVENUE COLUMBUS, OH 43212 | ALLSTATE | $510 | — | $510 | 4.88% |
| KATIE MIRACLE AGENCY3 Filed as: KATIE MIRACLE | 112 RICH ROAD LOVELAND, OH 45140 | ALLSTATE | $495 | — | $495 | 4.74% |
| RICHARD GARLAND BAILEY3 | 131 KING LEES COURT LEXINGTON, SC 29072 | ALLSTATE | $320 | — | $320 | 3.06% |
| LAYNE FINANCIAL INC3 | 315 GREEN RIDGE DR SUITE H1 NEW CASTLE, PA 16015 | ALLSTATE | $225 | — | $225 | 2.15% |
| MARK L HUFHAND3 | 1300 CHRISTMAS SEAL DRIVE NORTHWEST CANTON, OH 44709 | ALLSTATE | $216 | — | $216 | 2.07% |
| JOHN CAUPP3 | 936 ORVILLE WAY XENIA, OH 53850 | ALLSTATE | $53 | — | $53 | 0.51% |
| MICHAEL C HURLEY3 | 7484 STATE ROUTE 195 ALGER, OH 45812 | ALLSTATE | $17 | — | $17 | 0.16% |
| REB CONSULTING, INC.3 Filed as: REB CONSULTING INC | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | COMMUNITY INSURANCE COMPANY | $18 | — | $18 | — |
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 | 253 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 263 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 400 | $2.2M |
| Dental | COMMUNITY INSURANCE COMPANY | 186 | $113K |
| Vision | EYEMED VISION CARE | 293 | $19K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 229 | $64K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 133 | $23K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 127 | $51K |
| Other(4 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 229 | $123K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 400 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.