| 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 | $43K | — | $43K | 6.62% |
| HUMMEL GROUP INC3 | PO BOX 3 ORRVILLE, OH 44667 | HUMANA | $10K | — | $10K | 5.28% |
| HUMMEL GROUP INC3 | PO BOX 250 BERLIN, OH 44610 | THE STANDARD | $9K | — | $9K | 20.68% |
| HUMMEL GROUP INC3 Filed as: HUMMEL GROUP, INC. | PO BOX 250 BERLIN, OH 44610 | AMERICAN HERITAGE LIFE | $2K | — | $2K | 8.04% |
| M H ADVISORS INC3 | 36 SHANNON DRIVE APPLE CREEK, OH 44606 | AMERICAN HERITAGE LIFE | $1K | — | $1K | 4.58% |
| LAYNE FINANCIAL INC3 | 315 GREEN RIDGE DR SUITE H 1 NEW CASTLE, PA 16012 | AMERICAN HERITAGE LIFE | $221 | — | $221 | 0.99% |
| COVEY RUN INSURANCE LLC1 Filed as: COVEY RUN INS LLC | 6155 PARK SQUARE DRIVE SUITE 7 LORAIN, OH 44053 | AMERICAN HERITAGE LIFE | $102 | — | $102 | 0.46% |
| MARK L HUFHAND3 | 3313 LEE ST NORTH CANTON, OH 44720 | AMERICAN HERITAGE LIFE | $48 | — | $48 | 0.22% |
| CGI VOLUNTARY BENEFITS, INC.3 Filed as: CGI VOLUNTARY BENEFITS INC | 3500 WOODRIDGE ROAD CLEVELAND HEIGHTS, OH 44121 | AMERICAN HERITAGE LIFE | $43 | — | $43 | 0.19% |
| JASON E FERGER3 Filed as: JASON FERGER | 3706 EAGLEWOOD ST VALRICO, FL 33596 | AMERICAN HERITAGE LIFE | $24 | — | $24 | 0.11% |
| COVEY RUN INSURANCE LLC3 | 341 COPPER CREEK AMHERST, OH 44001 | AMERICAN HERITAGE LIFE | $22 | — | $22 | 0.10% |
| THOMAS W BOSTON3 Filed as: THOMAS BOSTON | PO BOX 44632 HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE | $9 | — | $9 | 0.04% |
| HOLLY A REMUS3 Filed as: HOLLY REMUS | 8324 BRANDIES CIRCLE EAST SARASOTA, FL 34243 | AMERICAN HERITAGE LIFE | $4 | — | $4 | 0.02% |
| MICHAEL W BERUBE3 Filed as: MICHAEL E BERUBE | PO BOX 9825 CANTON, OH 44711 | AMERICAN HERITAGE LIFE | — | — | $0 | 0.00% |
| MICHAEL D FINLEY3 | 907 EAST FRONT STREET DOVER, OH 44622 | AMERICAN HERITAGE LIFE | — | — | $0 | 0.00% |
| DAVID CAMPANA INSURANCE LTD3 Filed as: DAVID CAMPANA INS LTD | 341 COPPER CREEK AMHERST, OH 44001 | AMERICAN HERITAGE LIFE | — | — | $0 | 0.00% |
| MICHAEL C HURLEY3 | 7484 ST RT 195 ALGER, OH 45812 | AMERICAN HERITAGE LIFE | — | — | $0 | 0.00% |
| MICHAEL T HARWOOD3 | PO BOX 1 APPLECREEK, OH 44606 | AMERICAN HERITAGE LIFE | — | — | $0 | 0.00% |
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 | 240 | 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) | 240 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AULTCARE INSURANCE COMPANY | 236 | $651K |
| Dental(2 contracts, 2 carriers) | HUMANA | 240 | $233K |
| Vision(2 contracts, 2 carriers) | HUMANA | 240 | $233K |
| Life insurance(2 contracts, 2 carriers) | HUMANA | 240 | $233K |
| Long-term disability | THE STANDARD | 68 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 240 | — |
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.