| 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 | $21K | — | $21K | 1.94% |
| HUMMEL GROUP INC3 | 4585 STATE RT 39 PO BOX 250 BERLIN, OH 446100250 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | $6K | $13K | 12.92% |
| BNYU LLC3 | 3009 WILMINGTON RD STE 100 NEW CASTLE, PA 161051238 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | — | $4K | 4.01% |
| LAYNE FINANCIAL INC3 | 3009 WILMINGTON RD STE 100 NEW CASTLE, PA 161051238 | PRINCIPAL LIFE INSURANCE COMPANY | $681 | — | $681 | 0.67% |
| MICHAEL T HARWOOD3 | PO BOX 1 APPLECREEK, OH 44606 | AMERICAN HERITAGE LIFE | $1K | — | $1K | 5.93% |
| HUMMEL GROUP INC3 Filed as: HUMMEL GROUP, INC. | PO BOX 250 BERLIN, OH 44610 | AMERICAN HERITAGE LIFE | $1K | — | $1K | 4.68% |
| LAYNE FINANCIAL INC | 315 GREEN RIDGE DR SUITE H 1 NEW CASTLE, PA 16012 | AMERICAN HERITAGE LIFE | $620 | — | $620 | 2.63% |
| JASON E FERGER3 Filed as: JASON FERGER | 3706 EAGLEWOOD ST VALRICO, FL 33596 | AMERICAN HERITAGE LIFE | $289 | — | $289 | 1.22% |
| MARK L HUFHAND3 | 3313 LEE ST NORTH CANTON, OH 44720 | AMERICAN HERITAGE LIFE | $176 | — | $176 | 0.75% |
| MICHAEL W BERUBE3 Filed as: MICHAEL E BERUBE | PO BOX 9825 CANTON, OH 44711 | AMERICAN HERITAGE LIFE | $127 | — | $127 | 0.54% |
| MICHAEL FINLEY3 Filed as: MICHAEL D FINLEY | 907 EAST FRONT STREET DOVER, OH 44622 | AMERICAN HERITAGE LIFE | $68 | — | $68 | 0.29% |
| MICHAEL C HURLEY3 | 7484 ST RT 195 ALGER, OH 45812 | AMERICAN HERITAGE LIFE | $22 | — | $22 | 0.09% |
| HOLLY A REMUS Filed as: HOLLY REMUS | 8324 BRANDIES CIRCLE EAST SARASOTA, FL 34243 | AMERICAN HERITAGE LIFE | $21 | — | $21 | 0.09% |
| COVEY RUN INSURANCE LLC3 | 341 COPPER CREEK AMHERST, OH 44001 | AMERICAN HERITAGE LIFE | $15 | — | $15 | 0.06% |
| MARK D JONES3 Filed as: MARK JONES | 306 CUNNINGHAM RUN RD PENNSBORO, WV 26415 | AMERICAN HERITAGE LIFE | $9 | — | $9 | 0.04% |
| THOMAS W BOSTON3 Filed as: THOMAS BOSTON | PO BOX 44632 HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE | $7 | — | $7 | 0.03% |
| AMERICAN HERITAGE LIFE INSURANCE CO3 Filed as: AMERICAN HERITAGE LIFE | — | AMERICAN HERITAGE LIFE | — | — | $0 | 0.00% |
| HUMMEL GROUP INC3 Filed as: HUMMEL GROUP, INC. | PO BOX 250 BERLIN, OH 44610 | AFLAC | $45 | — | $45 | 2.37% |
| MICHAEL FINLEY3 | 907 E FRONT STREET DOVER, OH 44622 | AFLAC | $23 | — | $23 | 1.21% |
| GAYLORD I KAUFFMAN Filed as: GAYLORD KAUFFMAN | 315 GREEN RIDGE RD STE H 1 NEW CASTLE, PA 16105 | AFLAC | $21 | — | $21 | 1.11% |
| AMANDA MCDANIEL3 | 167 FRYS VALLEY RD SE GNADENHUTTEN, OH 44629 | AFLAC | $19 | — | $19 | 1.00% |
| MARK L HUFHAND3 Filed as: MARK HUFHAND | 3313 LEE STREET NW NORTH CANTON, OH 44720 | AFLAC | $14 | — | $14 | 0.74% |
| MICHAEL C WALKER Filed as: MICHAEL REBER | 20101 HERON CROSSING DR TAMPA, FL 33647 | AFLAC | $11 | — | $11 | 0.58% |
| NICHOLAS PETRYCKI3 | 8141 LARKSPUR AVE NW NORTH CANTON, OH 44720 | AFLAC | $11 | — | $11 | 0.58% |
| MAKOWSKI INS AGCY INC3 Filed as: MAKOWSKI INS AGENCY INC | 9404 WOODSHIP LN BROADVIEW HTS, OH 44147 | AFLAC | $10 | — | $10 | 0.53% |
| DAVA HERRON3 | 9612 WILKSHIRE BLVD NE BOLIVAR, OH 44612 | AFLAC | $7 | — | $7 | 0.37% |
| MICHAEL C WALKER3 Filed as: MICHAEL QUINN | 8580 MAJORCA LANE NAPLES, FL 34114 | AFLAC | $6 | — | $6 | 0.32% |
| ROBERT WRIGHT3 | 3980 CORBY ST NW UNIONTOWN, OH 44685 | AFLAC | $5 | — | $5 | 0.26% |
| MARTHA A HUFFMAN3 Filed as: MARTHA HUFFMAN | 2382 PLYMOUTH EAST RD GREENWICH, OH 44837 | AFLAC | $4 | — | $4 | 0.21% |
| OPPORTUNITY INC3 | 9404 WOODCHIP LN BROADVIEW HEIGHTS, OH 44147 | AFLAC | $2 | — | $2 | 0.11% |
| WILLIAM HERDER3 Filed as: WILLIAM A HERDER | 3519 BAKERS LN LUCAS, OH 44843 | AFLAC | $2 | — | $2 | 0.11% |
| WILLIAM R HERDER | 112 EDMONTON RD BELLVILLE, OH 44813 | AFLAC | $2 | — | $2 | 0.11% |
| ROBERTA DICKINSON3 | PO BOX 360277 STRONGSVILLE, OH 44136 | AFLAC | $1 | — | $1 | 0.05% |
| RONALD J GRETHEL3 Filed as: RONALD GRETHEL | 648 HANNA AVE LOVELAND, OH 45140 | AFLAC | $1 | — | $1 | 0.05% |
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC | 1932 WYNNTON R COLUMBUS, GA 31999 | AFLAC | — | — | $0 | 0.00% |
| ANNAMARIE BLASE3 | 9241 HOCKING ST NW MASSILLON, OH 44646 | AFLAC | — | — | $0 | 0.00% |
| JOHN C RASCHELLA3 Filed as: JOHN RASHELLA | 20301 GRD OAK SH BLVD 118-32 ESTERO, FL 33928 | AFLAC | — | — | $0 | 0.00% |
| JOSHUA K HOPPE3 Filed as: JOSHUA HOPPE | 580 WHITE PLAINS RD STE 115 TARRYTOWN, NY 10591 | AFLAC | — | — | $0 | 0.00% |
| JUDY KAUFFMAN3 | PO BOX 135 NEW WILMINGTON, PA 16142 | AFLAC | — | — | $0 | 0.00% |
| RICO PEREZ3 | 6000 LIMBARDO CTR STE 145 SEVEN HILLS, OH 44131 | AFLAC | — | — | $0 | 0.00% |
| SCOTT A SMITH3 Filed as: SCOTT SMITH | 5300 OAKBROOK PKWY STE 300 STE 350 NORCROSS, GA 30093 | AFLAC | — | — | $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 | 249 | 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) | 249 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 247 | $104K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 247 | $102K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 247 | $104K |
| Short-term disability | AFLAC | 2 | $2K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 247 | $102K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 247 | $104K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 249 | — |
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."
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.