| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUMMEL GROUP INC3 Filed as: HUMMEL GROUP, INC. | PO BOX 250 BERLIN, OH 44610 | MCKINLEY LIFE INSURANCE COMPANY | $20K | — | $20K | 2.40% |
| HUMMEL GROUP INC3 Filed as: HUMMEL GROUP, INC. | PO BOX 250 BERLIN, OH 446100250 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $318 | $4K | 6.76% |
| MICHAEL T HARWOOD3 | PO BOX 1 APPLE CREEK, OH 44606 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $903 | — | $903 | 3.96% |
| HUMMEL GROUP INC3 | PO BOX 250 BERLIN, OH 44610 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $808 | — | $808 | 3.55% |
| MICHAEL W BERUBE3 | PO BOX 9825 CANTON, OH 44711 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $551 | — | $551 | 2.42% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL | 315 GREEN RIDGE DRIVE SUITE H1 NEW CASTLE, PA 16015 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $316 | — | $316 | 1.39% |
| MARK L HUFHAND3 | 3313 LEE STREET NORTH CANTON, OH 44720 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $187 | — | $187 | 0.82% |
| MICHAEL C HURLEY3 | 7484 STATE ROUTE 195 ALGER, OH 45812 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $47 | — | $47 | 0.21% |
| WILLIAM CHRISTOPHER GROUP3 | PO BOX 264 DELPHOS, OH 45833 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $30 | — | $30 | 0.13% |
| HUMMEL GROUP INC3 Filed as: THE HUMMEL GROUP, INC. | PO BOX 3 ORRVILLE, OH 446670003 | VISION SERVICE PLAN | $444 | — | $444 | 9.91% |
| HUMMEL GROUP INC3 Filed as: HUMMEL GROUP, INC. | PO BOX 250 BERLIN, OH 44610 | CINCINNATI LIFE INSURANCE | $65 | — | $65 | 2.02% |
| HUMMEL GROUP INC3 Filed as: HUMMEL GROUP INC. | PO BOX 250 BERLIN, OH 44610 | AFLAC | $57 | — | $57 | 3.14% |
| MICHAEL R REBER3 | 20101 HERON CROSSING DRIVE TAMPA, FL 33647 | AFLAC | $56 | — | $56 | 3.09% |
| NICHOLAS PETRYCKI3 | 8141 LARKSPUR AVE NW NORTH CANTON, OH 44720 | AFLAC | $44 | — | $44 | 2.42% |
| MARK L HUFHAND3 Filed as: MARK HUFHAND | 3313 LEE STREET NW NORTH CANTON, OH 44720 | AFLAC | $34 | — | $34 | 1.87% |
| GAYLORD I KAUFFMAN3 Filed as: GAYLORD KAUFFMAN | 315 GREEN RIDGE ROAD SUITE H1 NEW CASTLE, PA 16105 | AFLAC | $28 | — | $28 | 1.54% |
| KARA M CARMODY3 Filed as: KARA CARMODY | 718 HOYT AVE EAST ST. PAUL, MN 55106 | AFLAC | $10 | — | $10 | 0.55% |
| QUINN, MEYER & ASSOCIATES3 Filed as: QUINN MEYER & ASSOCIATES | 10800 WINCHCOMBE DRIVE DUBLIN, OH 43016 | AFLAC | $5 | — | $5 | 0.28% |
| DAVID J MCCLELLAN3 Filed as: DAVID AESOPH | 2700 W NICOLE DRIVE SIOUX FALLS, SD 57105 | AFLAC | $2 | — | $2 | 0.11% |
| LISA CUNNINGHAM3 | 8078 POLK PATH REYNOLDSBURG, OH 43068 | AFLAC | $1 | — | $1 | 0.06% |
| JOHN C RASCHELLA3 Filed as: JOHN RASCHELLA | 20301 GRD OAK SH BLVD #118-32 ESTERO, FL 33928 | AFLAC | $1 | — | $1 | 0.06% |
| RONALD J GRETHEL3 Filed as: RONALD GRETHEL | 648 HANNA AVE LOVELAND, OH 45140 | AFLAC | $1 | — | $1 | 0.06% |
| HUMMEL GROUP INC3 Filed as: HUMMEL GROUP, INC. | PO BOX 3 ORRVILLE, OH 44667 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $40 | — | $40 | 3.26% |
| MICHAEL T HARWOOD3 Filed as: MICHAEL HARWOOD | 36 SHANNON DRIVE APPLE CREEK, KY 44606 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28 | — | $28 | 2.28% |
| MICHAEL W BERUBE3 Filed as: MICHAEL BERUBE | 705 SKAGGS CREEK ROAD GLASGOW, KY 42141 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | — | $27 | 2.20% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL | 315 GREEN RIDGE ROAD NEW CASTLE, PA 16105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 1.22% |
| MARK L HUFHAND3 Filed as: MARK HUFHAND | 3313 LEE ST NW NORTH CANTON, OH 44720 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 1.22% |
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 | 101 | 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) | 101 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MCKINLEY LIFE INSURANCE COMPANY | 229 | $822K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 171 | $65K |
| Vision | VISION SERVICE PLAN | 101 | $4K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 171 | $69K |
| Short-term disability(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 30 | $24K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 171 | $65K |
| Other | AFLAC | 3 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 229 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.