| 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 | $35K | — | $35K | 3.39% |
| HUMMEL GROUP INC3 Filed as: HUMMEL GROUP, INC. | PO BOX 250 BERLIN, OH 446100250 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | $2K | $7K | 7.93% |
| MICHAEL T HARWOOD3 | PO BOX 1 APPLE CREEK, OH 44606 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $998 | — | $998 | 4.52% |
| HUMMEL GROUP INC3 | PO BOX 250 BERLIN, OH 44610 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $995 | — | $995 | 4.50% |
| MICHAEL W BERUBE3 | PO BOX 9825 CANTON, OH 44711 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $482 | — | $482 | 2.18% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL | 315 GREEN RIDGE DRIVE SUITE H1 NEW CASTLE, PA 16015 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $257 | — | $257 | 1.16% |
| MARK L HUFHAND3 | 3313 LEE STREET NORTH CANTON, OH 44720 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $192 | — | $192 | 0.87% |
| MICHAEL C HURLEY3 | 7484 STATE ROUTE 195 ALGER, OH 45812 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $43 | — | $43 | 0.19% |
| WILLIAM CHRISTOPHER GROUP3 | PO BOX 264 DELPHOS, OH 45833 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $30 | — | $30 | 0.14% |
| THOMAS W BOSTON3 Filed as: THOMAS W. BOSTON | 13361 MARKET AVE N HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12 | — | $12 | 0.05% |
| COVEY RUN INSURANCE LLC3 Filed as: COVEY RUN INSURANCE | 341 COPPER CREEK AMHERST, OH 44001 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11 | — | $11 | 0.05% |
| JEFFREY JOHNSTONE3 | 706 OLIVE STREET PITTSBURGH, PA 15237 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10 | — | $10 | 0.05% |
| BUHL INS AGENCY3 Filed as: BUHL INSURANCE AGENCY | 4204 EAST EWALT ROAD GIBSONIA, PA 15044 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7 | — | $7 | 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 | $538 | — | $538 | 9.21% |
| MICHAEL T HARWOOD3 Filed as: MICHAEL HARWOOD | 36 SHANNON DRIVE APPLE CREEK, KY 44606 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $747 | — | $747 | 16.98% |
| HUMMEL GROUP INC3 Filed as: HUMMEL GROUP, INC. | PO BOX 3 ORRVILLE, OH 44667 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $546 | — | $546 | 12.41% |
| KEVIN WRONA3 | 4086 FAR O WAY LANE RICHFIELD, OH 44286 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $53 | $267 | $320 | 7.27% |
| GREGORY PAUL STAUDINGER3 | 831 SMITHFIELD DRIVE NORTHFIELD, OH 44067 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $98 | $28 | $126 | 2.86% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL | 315 GREEN RIDGE ROAD NEW CASTLE, PA 16105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $101 | — | $101 | 2.30% |
| MARK L HUFHAND3 Filed as: MARK HUFHAND | 3313 LEE ST NW NORTH CANTON, OH 44720 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $48 | — | $48 | 1.09% |
| MICHAEL W BERUBE3 Filed as: MICHAEL BERUBE | 705 SKAGGS CREEK ROAD GLASGOW, KY 42141 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | — | $31 | 0.70% |
| DONNA TROXELL3 | 706 WESTWOOD DRIVE GIBSONIA, PA 15044 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $3 | $9 | 0.20% |
| BRIAN TODD KAUFFMAN3 Filed as: BRIAN KAUFFMAN | 3009 WILMINGTON RD NEW CASTLE, PA 16105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.14% |
| HUMMEL GROUP INC3 Filed as: HUMMEL GROUP, INC. | PO BOX 250 BERLIN, OH 44610 | CINCINNATI LIFE INSURANCE | $1K | — | $1K | 29.98% |
| HUMMEL GROUP INC3 Filed as: HUMMEL GROUP INC. | PO BOX 250 BERLIN, OH 44610 | AFLAC | $49 | — | $49 | 2.58% |
| NICHOLAS PETRYCKI3 | 8141 LARKSPUR AVE NW NORTH CANTON, OH 44720 | AFLAC | $44 | — | $44 | 2.32% |
| MICHAEL R REBER3 | 20101 HERON CROSSING DRIVE TAMPA, FL 33647 | AFLAC | $42 | — | $42 | 2.21% |
| TERRI PEASE3 | 567 SAGUARO PL BARBERTON, OH 44203 | AFLAC | $35 | — | $35 | 1.84% |
| MARK L HUFHAND3 Filed as: MARK HUFHAND | 3313 LEE STREET NW NORTH CANTON, OH 44720 | AFLAC | $30 | — | $30 | 1.58% |
| GAYLORD I KAUFFMAN3 Filed as: GAYLORD KAUFFMAN | 315 GREEN RIDGE ROAD SUITE H1 NEW CASTLE, PA 16105 | AFLAC | $23 | — | $23 | 1.21% |
| KARA M CARMODY3 Filed as: KARA CARMODY | 718 HOYT AVE EAST ST. PAUL, MN 55106 | AFLAC | $10 | — | $10 | 0.53% |
| STENGRIM INS INC3 | 47108 276TH STREET HARRISBURG, SD 57032 | AFLAC | $6 | — | $6 | 0.32% |
| QUINN, MEYER & ASSOCIATES3 Filed as: QUINN MEYER & ASSOCIATES | 10800 WINCHCOMBE DRIVE DUBLIN, OH 43016 | AFLAC | $4 | — | $4 | 0.21% |
| DAVID J MCCLELLAN3 Filed as: DAVID AESOPH | 2700 W NICOLE DRIVE SIOUX FALLS, SD 57105 | AFLAC | $3 | — | $3 | 0.16% |
| LISA CUNNINGHAM3 | 8078 POLK PATH REYNOLDSBURG, OH 43068 | AFLAC | $2 | — | $2 | 0.11% |
| JOHN C RASCHELLA3 Filed as: JOHN RASCHELLA | 20301 GRD OAK SH BLVD #118-32 ESTERO, FL 33928 | AFLAC | $1 | — | $1 | 0.05% |
| RONALD J GRETHEL3 Filed as: RONALD GRETHEL | 648 HANNA AVE LOVELAND, OH 45140 | AFLAC | $1 | — | $1 | 0.05% |
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 | 122 | 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) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MCKINLEY LIFE INSURANCE COMPANY | 264 | $1.0M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 211 | $85K |
| Vision | VISION SERVICE PLAN | 120 | $6K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 211 | $89K |
| Short-term disability(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 48 | $27K |
| Long-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 211 | $107K |
| Other | AFLAC | 3 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 264 | — |
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.