| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUMMEL GROUP INC3 Filed as: HUMMEL GROUP INC. | P.O. BOX 250 BERLIN, OH 44610 | AULTCARE INSURANCE COMPANY | $33K | — | $33K | 6.64% |
| HUMMEL GROUP INC3 Filed as: HUMMEL GROUP INC. | PO BOX 250 BERLIN, OH 446100250 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | $3K | $11K | 10.52% |
| HUMMEL GROUP INC3 Filed as: HUMMEL GROUP INC. | P.O. BOX 250 BERLIN, OH 44610 | AMERICAN UNITED LIFE INSURANCE COMPANY | $4K | $431 | $5K | 14.28% |
| HUMMEL GROUP INC3 Filed as: HUMMEL GROUP INC.. | P.O. BOX 250 BERLIN, OH 44610 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 9.97% |
| M H ADVISORS INC3 | 36 SHANNON DRIVE APPLE CREEK, OH 44606 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 8.23% |
| LAYNE FINANCIAL INC3 | 3009 WILMINGTON RD SUITE 100 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $237 | — | $237 | 1.31% |
| COVEY RUN INSURANCE LLC3 Filed as: COVEY RUN INS LLC | 341 COPPER CREEK OHIO AMHERST, OH 44001 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $126 | — | $126 | 0.70% |
| CGI VOLUNTARY BENEFITS, INC.3 Filed as: CGI VOLUNTARY BENEFITS INC | 20046 WALKER ROAD #5 SHAKER HEIGHTS, OH 44121 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $53 | — | $53 | 0.29% |
| HUFHAND MARK L3 | 1664 N MAIN ST SUITE 7 NORTH CANTON, OH 44720 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $48 | — | $48 | 0.26% |
| BERUBE MICHAEL W3 | PO BOX 9825 CANTON, OH 44711 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $31 | — | $31 | 0.17% |
| GOIK THERESA3 | 7388 CONGRESS ROAD SPENCER, OH 44275 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $25 | — | $25 | 0.14% |
| BOSTON THOMAS W3 | 139 MARKET AVE NE HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.02% |
| HURLEY MICHAEL C3 | 7484 STATE ROUTE 195 ALGER, OH 45812 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.01% |
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 | 187 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 187 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AULTCARE INSURANCE COMPANY | 187 | $490K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 109 | $108K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 109 | $108K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 109 | $126K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 84 | $34K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 84 | $34K |
| Stop-loss / reinsurancereinsurance | AULTCARE INSURANCE COMPANY | 187 | $490K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 109 | $108K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 187 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.