| 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 | $26K | — | $26K | 2.76% |
| HUMMEL GROUP INC3 Filed as: HUMMEL GROUP, INC. | PO BOX 250 BERLIN, OH 446100250 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $2K | $6K | 8.62% |
| MICHAEL T HARWOOD3 | PO BOX 1 APPLE CREEK, OH 44606 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $872 | — | $872 | 4.02% |
| HUMMEL GROUP INC3 | PO BOX 250 BERLIN, OH 44610 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $767 | — | $767 | 3.54% |
| MICHAEL W BERUBE3 | PO BOX 9825 CANTON, OH 44711 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $488 | — | $488 | 2.25% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL | 315 GREEN RIDGE DRIVE SUITE H1 NEW CASTLE, PA 16015 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $296 | — | $296 | 1.37% |
| MARK L HUFHAND3 | 3313 LEE STREET NORTH CANTON, OH 44720 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $178 | — | $178 | 0.82% |
| MICHAEL C HURLEY3 | 7484 STATE ROUTE 195 ALGER, OH 45812 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $43 | — | $43 | 0.20% |
| WILLIAM CHRISTOPHER GROUP3 | PO BOX 264 DELPHOS, OH 45833 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $30 | — | $30 | 0.14% |
| JEFFREY JOHNSTONE3 | 706 OLIVE STREET PITTSBURGH, PA 15237 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9 | — | $9 | 0.04% |
| BUHL INS AGENCY3 Filed as: BUHL INSURANCE AGENCY | 4204 EAST EWALT ROAD GIBSONIA, PA 15044 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7 | — | $7 | 0.03% |
| THOMAS W BOSTON3 Filed as: THOMAS W. BOSTON | 13361 MARKET AVE N HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6 | — | $6 | 0.03% |
| KATIE D DUER3 Filed as: KATIE DUER | 2801 S MEDINA LINE RD. WADSWORTH, OH 44281 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| HUMMEL GROUP INC3 Filed as: THE HUMMEL GROUP, INC. | PO BOX 3 ORRVILLE, OH 446670003 | VISION SERVICE PLAN | $536 | — | $536 | 9.83% |
| HUMMEL GROUP INC3 Filed as: HUMMEL GROUP, INC. | PO BOX 250 BERLIN, OH 44610 | CINCINNATI LIFE INSURANCE | $196 | — | $196 | 6.49% |
| MICHAEL T HARWOOD3 Filed as: MICHAEL HARWOOD | 36 SHANNON DRIVE APPLE CREEK, KY 44606 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $199 | — | $199 | 8.90% |
| HUMMEL GROUP INC3 Filed as: HUMMEL GROUP, INC. | PO BOX 3 ORRVILLE, OH 44667 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $136 | — | $136 | 6.09% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL | 315 GREEN RIDGE ROAD NEW CASTLE, PA 16105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $117 | — | $117 | 5.23% |
| KEVIN WRONA3 | 4086 FAR O WAY LANE RICHFIELD, OH 44286 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $82 | $83 | 3.71% |
| MARK L HUFHAND3 Filed as: MARK HUFHAND | 3313 LEE ST NW NORTH CANTON, OH 44720 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $50 | — | $50 | 2.24% |
| MICHAEL W BERUBE3 Filed as: MICHAEL BERUBE | 705 SKAGGS CREEK ROAD GLASGOW, KY 42141 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.85% |
| DONNA TROXELL3 | 706 WESTWOOD DRIVE GIBSONIA, PA 15044 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $8 | $16 | 0.72% |
| GREGORY PAUL STAUDINGER3 | 831 SMITHFIELD DRIVE NORTHFIELD, OH 44067 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.09% |
| HUMMEL GROUP INC3 Filed as: HUMMEL GROUP INC. | PO BOX 250 BERLIN, OH 44610 | AFLAC | $52 | — | $52 | 3.13% |
| MICHAEL R REBER3 | 20101 HERON CROSSING DRIVE TAMPA, FL 33647 | AFLAC | $51 | — | $51 | 3.06% |
| NICHOLAS PETRYCKI3 | 8141 LARKSPUR AVE NW NORTH CANTON, OH 44720 | AFLAC | $41 | — | $41 | 2.46% |
| MARK L HUFHAND3 Filed as: MARK HUFHAND | 3313 LEE STREET NW NORTH CANTON, OH 44720 | AFLAC | $31 | — | $31 | 1.86% |
| GAYLORD I KAUFFMAN3 Filed as: GAYLORD KAUFFMAN | 315 GREEN RIDGE ROAD SUITE H1 NEW CASTLE, PA 16105 | AFLAC | $26 | — | $26 | 1.56% |
| KARA M CARMODY3 Filed as: KARA CARMODY | 718 HOYT AVE EAST ST. PAUL, MN 55106 | AFLAC | $9 | — | $9 | 0.54% |
| QUINN, MEYER & ASSOCIATES3 Filed as: QUINN MEYER & ASSOCIATES | 10800 WINCHCOMBE DRIVE DUBLIN, OH 43016 | AFLAC | $5 | — | $5 | 0.30% |
| DAVID J MCCLELLAN3 Filed as: DAVID AESOPH | 2700 W NICOLE DRIVE SIOUX FALLS, SD 57105 | AFLAC | $2 | — | $2 | 0.12% |
| 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% |
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 | 115 | 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) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MCKINLEY LIFE INSURANCE COMPANY | 244 | $958K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 194 | $72K |
| Vision | VISION SERVICE PLAN | 106 | $5K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 194 | $75K |
| Short-term disability(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 29 | $24K |
| Long-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 194 | $93K |
| Other | AFLAC | 3 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 244 | — |
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.