| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDWARD D SOMMER3 | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | UNITEDHEALTH INSURANCE COMPANY | $20K | $3K | $23K | 6.06% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE COLUMBUS | 250 W. OLD WILSON BRIDGE RD. SUITE 190 WORTHINGTON, OH 43085 | UNITEDHEALTH INSURANCE COMPANY | $4K | $0 | $4K | 0.92% |
| REB CONSULTING, INC.3 | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | UNITEDHEALTH INSURANCE COMPANY | $2K | $0 | $2K | 0.61% |
| REB CONSULTING, INC.3 | 300 W WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | UNITEDHEALTH INSURANCE COMPANY | $7K | $0 | $7K | 6.13% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE COLUMBUS | 250 W. OLD WILSON BRIDGE RD. SUITE 190 WORTHINGTON, OH 43085 | UNITEDHEALTH INSURANCE COMPANY | $1K | $0 | $1K | 0.98% |
| BROKERNET INC3 Filed as: BROKERNET, INC. | 110 NORTHWOODS BLVD. COLUMBUS, OH 43235 | DELTA DENTAL OF OHIO | $2K | $0 | $2K | 4.94% |
| EDWARD D SOMMER3 | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | DELTA DENTAL OF OHIO | $1K | $0 | $1K | 4.27% |
| REB CONSULTING, INC.3 | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | DELTA DENTAL OF OHIO | $669 | $0 | $669 | 1.91% |
| EDWARD D SOMMER3 | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.00% |
| EDWARD D SOMMER3 | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 12.76% |
| EDWARD D SOMMER3 | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 8.76% |
| EDWARD D SOMMER3 Filed as: EDWARD SOMMER | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | MADISON NATIONAL LIFE INSURANCE | $753 | $0 | $753 | 7.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE FINANCIAL SER | 12404 PARK CENTRAL SUITE 400S DALLAS, TX 75251 | HARTFORD LIFE AND ACCIDENT | $0 | $492 | $492 | 5.51% |
| EDWARD D SOMMER3 Filed as: EDWARD SOMMER | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | NIPPON LIFE BENEFITS | $998 | $0 | $998 | 11.26% |
| REB CONSULTING, INC.3 | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | NIPPON LIFE BENEFITS | $213 | $0 | $213 | 2.40% |
| EDWARD D SOMMER3 Filed as: EDWARD SOMMER | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | SUN LIFE ASSURANCE COMPANY OF CANADA | $320 | $0 | $320 | 4.56% |
| REB CONSULTING, INC.3 | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | SUN LIFE ASSURANCE COMPANY OF CANADA | $214 | $0 | $214 | 3.05% |
| REB CONSULTING, INC.3 | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $331 | $0 | $331 | 4.97% |
| EDWARD D SOMMER3 | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $324 | $0 | $324 | 4.86% |
| EDWARD D SOMMER3 | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | METROPOLITAN LIFE INSURANCE COMPANY | $271 | $0 | $271 | 21.11% |
| 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 | $55 |
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 | 139 | 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) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | UNITEDHEALTH INSURANCE COMPANY | 123 | $505K |
| Dental | DELTA DENTAL OF OHIO | 120 | $35K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 110 | $7K |
| Life insurance(9 contracts, 9 carriers) | STANDARD INSURANCE COMPANY | 122 | $88K |
| Other(6 contracts, 6 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 122 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 123 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.