| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| OPOC INSURANCE SERVICES LLC3 | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | UNITEDHEALTH INSURANCE COMPANY | $30K | $0 | $30K | 5.91% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE COLUMBUS | 250 W. OLD WILSON BRIDGE RD. SUITE 190 WORTHINGTON, OH 43085 | UNITEDHEALTH INSURANCE COMPANY | $5K | $0 | $5K | 0.93% |
| REB CONSULTING, INC.3 Filed as: REB CONSULTING | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | DELTA DENTAL OF OHIO | $3K | $0 | $3K | 6.86% |
| BROKERNET INC3 Filed as: BROKERNET, INC. | 110 NORTHWOODS BLVD. COLUMBUS, OH 43235 | DELTA DENTAL OF OHIO | $2K | $88 | $2K | 5.64% |
| EDWARD D SOMMER3 | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $438 | $0 | $438 | 3.31% |
| REB CONSULTING, INC.3 | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $111 | $0 | $111 | 0.84% |
| REB CONSULTING, INC.3 | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | PRINCIPAL LIFE INSURANCE COMPANY | $971 | $0 | $971 | 7.62% |
| EDWARD D SOMMER3 | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | PRINCIPAL LIFE INSURANCE COMPANY | $104 | $0 | $104 | 0.82% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE FINANCIAL SER | 12404 PARK CENTRAL SUITE 400S DALLAS, TX 75251 | HARTFORD LIFE AND ACCIDENT | $0 | $550 | $550 | 4.62% |
| EDWARD D SOMMER3 | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 12.58% |
| REB CONSULTING, INC.3 | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | NIPPON LIFE BENEFITS | $2K | $0 | $2K | 16.67% |
| REB CONSULTING, INC.3 | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $741 | $0 | $741 | 8.59% |
| ECHELON GROUP, LLC DBA OPOC.US3 | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | SUN LIFE ASSURANCE COMPANY OF CANADA | $611 | $0 | $611 | 7.76% |
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 | 109 | 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) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTH INSURANCE COMPANY | 123 | $501K |
| Dental | DELTA DENTAL OF OHIO | 124 | $38K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 71 | $9K |
| Life insurance(7 contracts, 7 carriers) | STANDARD INSURANCE COMPANY | 118 | $82K |
| Other(5 contracts, 5 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 118 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 124 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.