| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUMMEL GROUP INC3 | — | AULTCARE INSURANCE COMPANY | $22K | $0 | $22K | 0.69% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE | — | AULTCARE INSURANCE COMPANY | $12K | $0 | $12K | 0.36% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INS INC | 121 N MARKET ST WOOSTER, OH 44691 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $3K | $7K | 7.61% |
| REDTAIL LTD3 | 9999 BREWSTER PLACE #100 POWELL, OH 43065 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 6.50% |
| HUMMEL GROUP INC3 | PO BOX 250 BERLIN, OH 44610 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 2.26% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS - SEE ATTACHED | — | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $21K | $0 | $21K | 24.99% |
| HUMMEL GROUP INC3 Filed as: HUMMEL GROUP | 461 WADSWORTH ROAD PO BOX 3 ORRVILLE, OH 44667 | EYEMED VISION CARE | $1K | $0 | $1K | 4.03% |
| HUNTINGTON INSURANCE - MILLERSBURG3 | 221 SOUTH CHURCH STREET BOWLING GREEN, OH 43402 | EYEMED VISION CARE | $1K | $0 | $1K | 4.03% |
| HUMMEL GROUP INC3 | PO BOX 250 BERLIN, OH 44610 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 11.50% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INS INC | 121 N MARKET ST WOOSTER, OH 44691 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $655 | $2K | 6.53% |
| LIFETIME FINANCIAL GROWTH OF N3 | — | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $42 | $0 | $42 | 0.13% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 650 E. CARMEL DR SUITE 400 CARMEL, IN 46032 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $251 | $2K | 15.96% |
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 | 346 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 358 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AULTCARE INSURANCE COMPANY | 276 | $3.3M |
| Dental | AULTCARE INSURANCE COMPANY | 276 | $3.3M |
| Vision | EYEMED VISION CARE | 677 | $37K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 329 | $95K |
| Short-term disability(2 contracts) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 421 | $126K |
| Other(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 329 | $95K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 677 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.