| 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 | $36K | — | $36K | 3.53% |
| HUMMEL GROUP INC3 Filed as: HUMMEL GROUP, INC. | PO BOX 250 BERLIN, OH 446100250 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | $2K | $7K | 8.67% |
| HUMMEL GROUP INC3 | PO BOX 250 BERLIN, OH 44610 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 5.36% |
| MICHAEL T HARWOOD3 | 36 SHANNON DRIVE APPLE CREEK, OH 44606 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 5.07% |
| MICHAEL W BERUBE3 | PO BOX 9825 CANTON, OH 44711 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $470 | — | $470 | 2.02% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL | 3009 WILMINGTON RD, STE 100 NEW CASTLE, PA 16015 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $245 | — | $245 | 1.05% |
| MARK L HUFHAND3 | 925 S MAIN STREET NORTH CANTON, OH 44720 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $197 | — | $197 | 0.85% |
| MICHAEL C HURLEY3 | 7484 STATE ROUTE 195 ALGER, OH 45812 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $40 | — | $40 | 0.17% |
| COVEY RUN INSURANCE LLC3 Filed as: COVEY RUN INSURANCE | 341 COPPER CREEK AMHERST, OH 44001 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $31 | — | $31 | 0.13% |
| THOMAS W BOSTON3 Filed as: THOMAS W. BOSTON | 1275 W MAPLE ST HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $22 | — | $22 | 0.09% |
| JEFFREY JOHNSTONE3 | 706 OLIVE ST PITTSBURGH, PA 15237 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10 | — | $10 | 0.04% |
| BUHL INS AGENCY3 | 4204 EAST EWALT RD 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: HUMMEL GROUP, INC. | PO BOX 250 BERLIN, OH 44610 | CINCINNATI LIFE INSURANCE | $2K | — | $2K | 35.83% |
| HUMMEL GROUP INC3 Filed as: THE HUMMEL GROUP, INC. | PO BOX 3 ORRVILLE, OH 446670003 | VISION SERVICE PLAN | $545 | — | $545 | 9.36% |
| MICHAEL T HARWOOD3 Filed as: MICHAEL HARWOOD | 36 SHANNON DRIVE APPLE CREEK, KY 44606 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $677 | — | $677 | 14.22% |
| HUMMEL GROUP INC3 Filed as: HUMMEL GROUP, INC. | PO BOX 250 BERLIN, OH 44610 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $677 | — | $677 | 14.22% |
| KEVIN WRONA3 | 4086 FAR O WAY LANE RICHFIELD, OH 44286 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $123 | $157 | $280 | 5.88% |
| GREGORY PAUL STAUDINGER3 | 11320 SHADDUCK RD NORTH EAST, OH 16428 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $112 | $19 | $131 | 2.75% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL | 3009 WILMINGTON RD, STE 100 NEW CASTLE, PA 16105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 0.44% |
| MICHAEL W BERUBE3 Filed as: MICHAEL BERUBE | PO BOX 9825 CANTON, OH 44711 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.34% |
| MARK L HUFHAND3 Filed as: MARK HUFHAND | 925 S MAIN ST NORTH CANTON, OH 44720 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.29% |
| HUMMEL GROUP INC3 Filed as: HUMMEL GROUP INC. | PO BOX 250 BERLIN, OH 44610 | AFLAC | $41 | — | $41 | 2.37% |
| NICHOLAS PETRYCKI3 | 8141 LARKSPUR AVE NW NORTH CANTON, OH 44720 | AFLAC | $40 | — | $40 | 2.32% |
| TERRI PEASE3 | 567 SAGUARO PL BARBERTON, OH 44203 | AFLAC | $39 | — | $39 | 2.26% |
| MICHAEL R REBER3 | 20101 HERON CROSSING DRIVE TAMPA, FL 33647 | AFLAC | $35 | — | $35 | 2.03% |
| MARK L HUFHAND3 Filed as: MARK HUFHAND | 925 S MAIN STREET, STE B NORTH CANTON, OH 44720 | AFLAC | $26 | — | $26 | 1.51% |
| GAYLORD I KAUFFMAN3 Filed as: GAYLORD KAUFFMAN | 315 GREEN RIDGE ROAD SUITE H1 NEW CASTLE, PA 16105 | AFLAC | $20 | — | $20 | 1.16% |
| KARA M CARMODY3 Filed as: KARA CARMODY | 718 HOYT AVE EAST ST. PAUL, MN 55106 | AFLAC | $9 | — | $9 | 0.52% |
| STENGRIM INS INC3 | 47108 276TH STREET HARRISBURG, SD 57032 | AFLAC | $7 | — | $7 | 0.41% |
| QUINN, MEYER & ASSOCIATES3 Filed as: QUINN MEYER & ASSOCIATES | 10800 WINCHCOMBE DRIVE DUBLIN, OH 43016 | AFLAC | $3 | — | $3 | 0.17% |
| DAVID J MCCLELLAN3 Filed as: DAVID AESOPH | 2700 W NICOLE DRIVE SIOUX FALLS, SD 57105 | AFLAC | $3 | — | $3 | 0.17% |
| LISA CUNNINGHAM3 | 8078 POLK PATH REYNOLDSBURG, OH 43068 | AFLAC | $2 | — | $2 | 0.12% |
| 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 | 120 | 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) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MCKINLEY LIFE INSURANCE COMPANY | 274 | $1.0M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 208 | $81K |
| Vision | VISION SERVICE PLAN | 113 | $6K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 208 | $88K |
| Short-term disability(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 36 | $28K |
| Long-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 208 | $105K |
| Other | AFLAC | 3 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 274 | — |
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.