| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDWARD D SOMMER3 | 300 W WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | UNITEDHEALTH INSURANCE COMPANY | $27K | $0 | $27K | 6.26% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE COLUMBUS | 250 W. WILSON BRIDGE ROAD SUITE 190 WORTHINGTON, OH 43085 | UNITEDHEALTH INSURANCE COMPANY | $4K | $0 | $4K | 0.98% |
| EDWARD D SOMMER3 Filed as: EDWARD D. SOMMER | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | DELTA DENTAL OF OHIO | $2K | $0 | $2K | 6.12% |
| JOHN MAY3 | 110 NORTHWOODS BLVD. COLUMBUS, OH 43235 | DELTA DENTAL OF OHIO | $2K | $18 | $2K | 4.96% |
| EDWARD D SOMMER3 | 300 W WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | $0 | $1K | 6.11% |
| EDWARD D SOMMER3 | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.48% |
| EDWARD D SOMMER3 Filed as: EDWARD DA SOMMER | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | DEARBORN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 13.95% |
| OBS1 - CARDINAL BROKERAGE CENTRAL3 | 9482 WEDGEWOOD BLVD. SUITE 200 POWELL, OH 43065 | DEARBORN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 8.94% |
| EDWARD D SOMMER3 | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 10.00% |
| EDWARD D SOMMER3 | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | HUMANA INSURANCE COMPANY | $1K | $0 | $1K | 12.38% |
| EDWARD D SOMMER3 Filed as: EDWARD SOMMER | 300 W WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | COMPANION LIFE | $1K | $0 | $1K | 10.75% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY INC. | 1305 WALT WHITMAN ROAD SUITE 310 MELVILLE, NY 11747 | COMPANION LIFE | $407 | $0 | $407 | 3.71% |
| MAY INSURANCE SERVICES INC3 Filed as: MAY INSURANCE SERVICES | 110 NORTHWOODS BLVS. SUITE 310 COLUMBUS, OH 43235 | COMPANION LIFE | $184 | $0 | $184 | 1.68% |
| EDWARD D SOMMER3 | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $98 | $1K | 10.91% |
| EDWARD D SOMMER3 | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $951 | $78 | $1K | 9.92% |
| EDWARD D SOMMER3 Filed as: EDWARD D.A. SOMMER | 300 W WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | AMERICAN UNITED LIFE INSURANCE COMPANY | $944 | $0 | $944 | 9.11% |
| CORNERSTONE BROKER INS SERVICES3 Filed as: CORNERSTONE BROKER INS SERVICE | 2101 FLORENCE AVE. CINCINNATI, OH 45206 | AMERICAN UNITED LIFE INSURANCE COMPANY | $0 | $286 | $286 | 2.76% |
| EDWARD D SOMMER3 | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | GUARDIAN | $1K | $0 | $1K | 13.63% |
| EDWARD D SOMMER3 Filed as: EDWARD SOMMER | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | MADISON NATIONAL LIFE INSURANCE | $883 | $0 | $883 | 10.00% |
| NATIONAL INSURANCE SERVICES OF WI3 | 250 S. EXECUTIVE DRIVE SUITE 300 BROOKFIELD, WI 53005 | MADISON NATIONAL LIFE INSURANCE | $618 | $0 | $618 | 7.00% |
| EDWARD D SOMMER3 | 300 W WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $853 | $0 | $853 | 9.77% |
| REB CONSULTING, INC.3 Filed as: REB CONSULTING | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | ANTHEM LIFE INSURANCE COMPANY | $978 | $0 | $978 | 11.20% |
| EDWARD D SOMMER3 | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 15.00% |
| EDWARD D SOMMER3 | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | KANSAS CITY LIFE INSURANCE COMPANY | $817 | $0 | $817 | 9.88% |
| EDWARD D SOMMER3 | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | PRINCIPAL LIFE INSURANCE COMPANY | $718 | $91 | $809 | 9.89% |
| EDWARD D SOMMER3 | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | NIPPON LIFE BENEFITS | $1K | $0 | $1K | 13.71% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FINANCIAL | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | HARTFORD LIFE AND ACCIDENT | $0 | $298 | $298 | 4.00% |
| EDWARD D SOMMER3 | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INSURANCE | $581 | $0 | $581 | 9.95% |
| EDWARD D SOMMER3 | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $169 | $0 | $169 | 9.99% |
| EDWARD D SOMMER3 | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $101 | $0 | $101 | 10.00% |
| EDWARD D SOMMER3 | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $15 | $0 | $15 | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INTERFLEX PAYMENTS, LLC EIN 27-2256926 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | $120 |
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 | 123 | 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) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTH INSURANCE COMPANY | 121 | $436K |
| Dental | DELTA DENTAL OF OHIO | 119 | $31K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INSURANCE | 95 | $6K |
| Life insurance(21 contracts, 20 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 135 | $204K |
| Other(16 contracts, 15 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 135 | $148K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 135 | — |
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.