| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | STANDARD INSURANCE COMPANY | $3K | $2K | $5K | 1.13% |
| EDWARD D SOMMER3 Filed as: EDWARD D. SOMMER | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | STANDARD INSURANCE COMPANY | $273 | $0 | $273 | 0.06% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 323 WEST LAKESIDE AVENUE, SUITE 410 CLEVELAND, OH 44113 | HM LIFE INSURANCE COMPANY | $6K | $0 | $6K | 9.13% |
| OPOC INSURANCE SERVICES LLC3 Filed as: OPOC.US | UNKNOWN WORTHINGTON, OH 43085 | HM LIFE INSURANCE COMPANY | $562 | $0 | $562 | 0.87% |
| EDWARD D SOMMER3 Filed as: EDWARD SOMMER | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 5.49% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 5.07% |
| HENSLEY AND ASSOCIATES LLC3 Filed as: HENSLEY AND ASSOC. AND OTHER AGENTS | 9465 RIVIERA DRIVE UNION, KY 41091 | AFLAC | $2K | $75 | $2K | 4.08% |
| DEBORAH SOLOMON3 | 5582 DUMFRIES COURT WEST DUBLIN, OH 43017 | AFLAC | $2K | $133 | $2K | 3.07% |
| CHARLES F SMITH JR3 Filed as: CHARLES FRANK SMITH JR. ESTATE | 166 BUERGER STREET MARYSVILLE, OH 43040 | AFLAC | $1K | $0 | $1K | 2.63% |
| SOLOMON SMITH BENEFITS INC3 Filed as: SOLOMON SMITH BENEFITS INC. | 5582 DUMFRIES COURT WEST DUBLIN, OH 43017 | AFLAC | $826 | $0 | $826 | 1.46% |
| EDWARD D SOMMER3 Filed as: EDWARD SOMMER | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | AFLAC | $755 | $0 | $755 | 1.33% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 4555 LAKE FOREST DRIVE, SUITE 510 CINCINNATI, OH 45242 | AFLAC | $400 | $0 | $400 | 0.71% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AFLAC | $45 | $0 | $45 | 0.08% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 323 WEST LAKESIDE AVENUE, SUITE 410 CLEVELAND, OH 44113 | HM LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
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 | 681 | 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) | 681 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 34 | $59K |
| Dental | STANDARD INSURANCE COMPANY | 701 | $438K |
| Vision(2 contracts) | HM LIFE INSURANCE COMPANY | 1,109 | $80K |
| Life insurance | STANDARD INSURANCE COMPANY | 701 | $438K |
| Short-term disability | AFLAC | 59 | $57K |
| Prescription drug | RELIANCE STANDARD LIFE INSURANCE COMPANY | 34 | $59K |
| Other(4 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 732 | $567K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,109 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.