| 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 | $26K | — | $26K | 2.89% |
| VARIOUS - SEE ATTACHED Filed as: AFLAC | 1932 WYNNTON R COLUMBUS, GA 31999 | AFLAC | $716 | — | $716 | 10.59% |
| HUMMEL GROUP INC Filed as: HUMMEL GROUP, INC. | PO BOX 250 BERLIN, OH 44610 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | — |
| LAYNE FINANCIAL INC3 | 315 GREEN RIDGE RD H-1 NEW CASTLE, PA 16105 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $3K | $6K | — |
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 | 221 | 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) | 221 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 121 | $0 |
| Dental | AFLAC | 9 | $7K |
| Life insurance | AFLAC | 9 | $7K |
| Short-term disability | AFLAC | 9 | $7K |
| Stop-loss / reinsurancereinsurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 121 | $0 |
| Other | AFLAC | 9 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 221 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.