| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REB CONSULTING, INC.3 Filed as: REB CONSULTING INC. | 1201 US ROUTE 23N DELAWARE, OH 43015 | COMMUNITY INSURANCE COMPANY | $25K | $3K | $28K | 5.50% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVENUE, SUITE 1500 CLEVELAND, OH 44114 | COMMUNITY INSURANCE COMPANY | — | $7K | $7K | 1.35% |
| BROKERNET INC3 Filed as: BROKERNET INC. | 110 NORTHWOODS BOULEVARD, SUITE C COLUMBUS, OH 43213 | COMMUNITY INSURANCE COMPANY | — | $3K | $3K | 0.67% |
| ERC SERVICES INC3 Filed as: ERC SERVICES INC. | 387 GOLF VIEW LANE, SUITE 100 HIGHLAND HEIGHTS, OH 44143 | COMMUNITY INSURANCE COMPANY | $1K | — | $1K | 0.22% |
| PREFERRED BENEFITS SERVICES AGENCY3 | 611 SOUTH SANDUSKY STREET DELAWARE, OH 43015 | DELTA DENTAL OF OHIO | $3K | $152 | $3K | 4.75% |
| EDWARD D SOMMER3 Filed as: EDWARD SOMMER | 300 WEST WILSON BRIDGE ROAD WORTHINGTON, OH 43085 | DELTA DENTAL OF OHIO | $897 | — | $897 | 1.42% |
| BROKERNET INC3 Filed as: BROKERNET, INC. | 110 NORTHWOOD BOULEVARD COLUMBUS, OH 43235 | DELTA DENTAL OF OHIO | $718 | — | $718 | 1.14% |
| PREFERRED BENEFITS SERVICES AGENCY3 | PO BOX 868 DELAWARE, OH 43015 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 13.28% |
| JAMES S RYAN3 Filed as: JAMES V HAYDEN | 800 YARD STREET, SUITE 300 COLUMBUS, OH 43212 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 1.72% |
| PREFERRED BENEFITS SERVICES AGENCY3 | PO BOX 868 DELAWARE, OH 43015 | NATIONWIDE LIFE INSURANCE COMPANY | $901 | — | $901 | 7.86% |
| EDWARD D SOMMER3 Filed as: EDWARD DA SOMMER | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | NATIONWIDE LIFE INSURANCE COMPANY | $245 | — | $245 | 2.14% |
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 | 104 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 214 | $500K |
| Dental | DELTA DENTAL OF OHIO | 253 | $63K |
| Vision | NATIONWIDE LIFE INSURANCE COMPANY | 96 | $11K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 105 | $60K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 105 | $60K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 105 | $60K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 105 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 253 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.