| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUMMEL GROUP INC3 Filed as: HUMMEL GROUP, INC. | PO BOX 250 BERLIN, OH 44610 | AULTCARE INSURANCE COMPANY | $38K | — | $38K | 3.43% |
| HUMMEL GROUP INC3 Filed as: HUMMEL GROUP, INC. | PO BOX 250 BERLIN, OH 446100250 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | $3K | $8K | 7.84% |
| TRUE NETWORK ADVISORS3 | 1513 AMBER LANE GUNTERSVILLE, AL 35976 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $245 | $245 | 0.24% |
| HUMMEL GROUP INC3 | PO BOX 250 BERLIN, OH 44610 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 10.92% |
| MICHAEL T HARWOOD3 | 36 SHANNON DRIVE APPLE CREEK, OH 44606 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 10.74% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL | 3009 WILMINGTON RD, STE 100 NEW CASTLE, PA 16015 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $431 | — | $431 | 1.54% |
| COVEY RUN INSURANCE LLC3 Filed as: COVEY RUN INSURANCE | 341 COPPER CREEK AMHERST, OH 44001 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $223 | — | $223 | 0.80% |
| MARK L HUFHAND3 | 925 S MAIN STREET NORTH CANTON, OH 44720 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $108 | — | $108 | 0.39% |
| CGI VOLUNTARY BENEFITS, INC.3 Filed as: CGI VOLUNTARY BENEFITS INC | 3500 WOODRIDGE ROAD CLEVELAND HEIGHTS, OH 44121 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $71 | — | $71 | 0.25% |
| MICHAEL W BERUBE3 | PO BOX 9825 CANTON, OH 44711 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $49 | — | $49 | 0.18% |
| THOMAS W BOSTON3 Filed as: THOMAS W. BOSTON | 1275 W MAPLE ST HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $17 | — | $17 | 0.06% |
| 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% |
| MICHAEL C HURLEY3 | 7484 STATE ROUTE 195 ALGER, OH 45812 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| 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 | $5K | — | $5K | 40.84% |
| HUMMEL GROUP INC3 Filed as: THE HUMMEL GROUP, INC. | PO BOX 3 ORRVILLE, OH 446670003 | VISION SERVICE PLAN | $536 | — | $536 | 7.99% |
| HUMMEL GROUP INC3 Filed as: HUMMEL GROUP, INC. | PO BOX 250 BERLIN, OH 44610 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $436 | — | $436 | 7.66% |
| MICHAEL T HARWOOD3 Filed as: MICHAEL HARWOOD | 36 SHANNON DRIVE APPLE CREEK, KY 44606 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $396 | — | $396 | 6.95% |
| KEVIN WRONA3 | 9740 CEDARWOOD DR NORTH ROYALTON, OH 44133 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $63 | $59 | $122 | 2.14% |
| GREGORY PAUL STAUDINGER3 | 11320 SHADDUCK RD NORTH EAST, OH 16428 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $92 | $27 | $119 | 2.09% |
| COORDINATION GROUP LLC3 | 13130 W 130TH STREET STRONGSVILLE, OH 44136 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $37 | $57 | $94 | 1.65% |
| MICHAEL W BERUBE3 Filed as: MICHAEL BERUBE | PO BOX 9825 CANTON, OH 44711 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.25% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL | 3009 WILMINGTON RD, STE 100 NEW CASTLE, PA 16105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.21% |
| MARK L HUFHAND3 Filed as: MARK HUFHAND | 925 S MAIN ST NORTH CANTON, OH 44720 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.18% |
| TERRI PEASE3 | 567 SAGUARO PL BARBERTON, OH 44203 | AFLAC | $39 | — | $39 | 4.10% |
| MICHAEL R REBER3 | 20101 HERON CROSSING DRIVE TAMPA, FL 33647 | AFLAC | $35 | — | $35 | 3.68% |
| HUMMEL GROUP INC3 Filed as: HUMMEL GROUP INC. | PO BOX 250 BERLIN, OH 44610 | AFLAC | $21 | — | $21 | 2.21% |
| JUDY KAUFFMAN3 | PO BOX 135 NEW WILMINGTON, PA 16142 | AFLAC | $12 | — | $12 | 1.26% |
| MARK L HUFHAND3 Filed as: MARK HUFHAND | 925 S MAIN STREET, STE B NORTH CANTON, OH 44720 | AFLAC | $9 | — | $9 | 0.95% |
| STENGRIM INS INC3 | 47108 276TH STREET HARRISBURG, SD 57032 | AFLAC | $7 | — | $7 | 0.74% |
| QUINN, MEYER & ASSOCIATES3 Filed as: QUINN MEYER & ASSOCIATES | 10800 WINCHCOMBE DRIVE DUBLIN, OH 43016 | AFLAC | $3 | — | $3 | 0.32% |
| DAVID J MCCLELLAN3 Filed as: DAVID AESOPH | 2700 W NICOLE DRIVE SIOUX FALLS, SD 57105 | AFLAC | $1 | — | $1 | 0.11% |
| JOHN C RASCHELLA3 Filed as: JOHN RASCHELLA | 20301 GRD OAK SH BLVD #118-32 ESTERO, FL 33928 | AFLAC | $1 | — | $1 | 0.11% |
| RONALD J GRETHEL3 Filed as: RONALD GRETHEL | 648 HANNA AVE LOVELAND, OH 45140 | AFLAC | $1 | — | $1 | 0.11% |
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 | 149 | 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) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AULTCARE INSURANCE COMPANY | 101 | $1.1M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 243 | $102K |
| Vision | VISION SERVICE PLAN | 134 | $7K |
| Life insurance(3 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 243 | $142K |
| Short-term disability(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 50 | $34K |
| Long-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 243 | $130K |
| Other | AFLAC | 2 | $952 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 243 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.