| 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 | $38K | — | $38K | 9.83% |
| HUMMEL GROUP INC3 | PO BOX 250 BERLIN, OH 44610 | THE STANDARD | $20K | — | $20K | 12.08% |
| HUMMEL GROUP INC3 | PO BOX 250 BERLIN, OH 44610 | THE STANDARD | $7K | — | $7K | 4.50% |
| M H ADVISORS INC3 | 36 SHANNON DRIVE APPLE CREEK, OH 44606 | AMERICAN HERITAGE LIFE | $1K | — | $1K | 6.35% |
| HUMMEL GROUP INC3 Filed as: HUMMEL GROUP, INC. | PO BOX 250 BERLIN, OH 44610 | AMERICAN HERITAGE LIFE | $1K | — | $1K | 6.22% |
| LAYNE FINANCIAL INC3 | 315 GREEN RIDGE DR SUITE H 1 NEW CASTLE, PA 16012 | AMERICAN HERITAGE LIFE | $185 | — | $185 | 0.87% |
| COVEY RUN INSURANCE LLC1 Filed as: COVEY RUN INS LLC | 6155 PARK SQUARE DRIVE SUITE 7 LORAIN, OH 44053 | AMERICAN HERITAGE LIFE | $71 | — | $71 | 0.34% |
| MICHAEL W BERUBE3 Filed as: MICHAEL E BERUBE | PO BOX 9825 CANTON, OH 44711 | AMERICAN HERITAGE LIFE | $69 | — | $69 | 0.33% |
| MARK L HUFHAND3 | 3313 LEE ST NORTH CANTON, OH 44720 | AMERICAN HERITAGE LIFE | $62 | — | $62 | 0.29% |
| CGI VOLUNTARY BENEFITS, INC.3 Filed as: CGI VOLUNTARY BENEFITS INC | 3500 WOODRIDGE ROAD CLEVELAND HEIGHTS, OH 44121 | AMERICAN HERITAGE LIFE | $35 | — | $35 | 0.17% |
| MICHAEL FINLEY3 Filed as: MICHAEL D FINLEY | 907 EAST FRONT STREET DOVER, OH 44622 | AMERICAN HERITAGE LIFE | $35 | — | $35 | 0.17% |
| COVEY RUN INSURANCE LLC3 | 341 COPPER CREEK AMHERST, OH 44001 | AMERICAN HERITAGE LIFE | $30 | — | $30 | 0.14% |
| DAVID CAMPANA INSURANCE LTD3 Filed as: DAVID CAMPANA INS LTD | 341 COPPER CREEK AMHERST, OH 44001 | AMERICAN HERITAGE LIFE | $19 | — | $19 | 0.09% |
| JASON E FERGER3 Filed as: JASON FERGER | 3706 EAGLEWOOD ST VALRICO, FL 33596 | AMERICAN HERITAGE LIFE | $19 | — | $19 | 0.09% |
| MICHAEL C HURLEY3 | 7484 ST RT 195 ALGER, OH 45812 | AMERICAN HERITAGE LIFE | $11 | — | $11 | 0.05% |
| THOMAS W BOSTON3 Filed as: THOMAS BOSTON | PO BOX 44632 HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE | $10 | — | $10 | 0.05% |
| HOLLY A REMUS3 Filed as: HOLLY REMUS | 8324 BRANDIES CIRCLE EAST SARASOTA, FL 34243 | AMERICAN HERITAGE LIFE | $3 | — | $3 | 0.01% |
| MICHAEL T HARWOOD3 | PO BOX 1 APPLECREEK, OH 44606 | AMERICAN HERITAGE LIFE | — | — | $0 | 0.00% |
| HUMMEL GROUP INC3 Filed as: HUMMEL GROUP, INC. | PO BOX 250 BERLIN, OH 44610 | AFLAC | $29 | — | $29 | 2.75% |
| MICHAEL FINLEY3 | 907 E FRONT STREET DOVER, OH 44622 | AFLAC | $19 | — | $19 | 1.80% |
| NICHOLAS PETRYCKI3 | 8141 LARKSPUR AVE NW NORTH CANTON, OH 44720 | AFLAC | $9 | — | $9 | 0.85% |
| AMANDA MCDANIEL3 | 167 FRYS VALLEY RD SE GNADENHUTTEN, OH 44629 | AFLAC | $6 | — | $6 | 0.57% |
| GAYLORD I KAUFFMAN Filed as: GAYLORD KAUFFMAN | 315 GREEN RIDGE RD STE H 1 NEW CASTLE, PA 16105 | AFLAC | $6 | — | $6 | 0.57% |
| MAKOWSKI INS AGCY INC3 Filed as: MAKOWSKI INS AGENCY INC | 9404 WOODSHIP LN BROADVIEW HTS, OH 44147 | AFLAC | $6 | — | $6 | 0.57% |
| MARK L HUFHAND3 Filed as: MARK HUFHAND | 3313 LEE STREET NW NORTH CANTON, OH 44720 | AFLAC | $6 | — | $6 | 0.57% |
| MICHAEL C WALKER3 Filed as: MICHAEL QUINN | 8580 MAJORCA LANE NAPLES, FL 34114 | AFLAC | $4 | — | $4 | 0.38% |
| DAVA HERRON3 | 9612 WILKSHIRE BLVD NE BOLIVAR, OH 44612 | AFLAC | $2 | — | $2 | 0.19% |
| MICHAEL C WALKER Filed as: MICHAEL REBER | 20101 HERON CROSSING DR TAMPA, FL 33647 | AFLAC | $2 | — | $2 | 0.19% |
| OPPORTUNITY INC3 | 9404 WOODCHIP LN BROADVIEW HEIGHTS, OH 44147 | AFLAC | $1 | — | $1 | 0.09% |
| ROBERT WRIGHT3 | 3980 CORBY ST NW UNIONTOWN, OH 44685 | AFLAC | $1 | — | $1 | 0.09% |
| ROBERTA DICKINSON3 | PO BOX 360277 STRONGSVILLE, OH 44136 | AFLAC | $1 | — | $1 | 0.09% |
| JOHN C RASCHELLA3 Filed as: JOHN RASHELLA | 20301 GRD OAK SH BLVD 118-32 ESTERO, FL 33928 | AFLAC | — | — | $0 | 0.00% |
| RONALD J GRETHEL3 Filed as: RONALD GRETHEL | 648 HANNA AVE LOVELAND, OH 45140 | 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 | 335 | 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) | 335 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AULTCARE INSURANCE COMPANY | 335 | $382K |
| Dental(2 contracts, 2 carriers) | THE STANDARD | 195 | $166K |
| Vision | THE STANDARD | 195 | $165K |
| Life insurance(2 contracts, 2 carriers) | THE STANDARD | 195 | $166K |
| Short-term disability | AFLAC | 1 | $1K |
| Long-term disability | THE STANDARD | 195 | $165K |
| Other | AFLAC | 1 | $1K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 335 | — |
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.