| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUMMEL GROUP INC3 Filed as: HUMMEL GROUP | 341 W CHURCH ST, PO BOX 3 ORRVILLE, OH 44668 | AULTCARE INSURANCE COMPANY | $26K | — | $26K | 6.55% |
| YODER INS AGCY & FINANCIAL SER3 Filed as: YODER INSURANCE AGENCY & FINANCIAL | PO BOX 1000 HARTVILLE, OH 44632 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | — | $13K | 4.99% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | — | $9K | 3.29% |
| HUMMEL GROUP INC3 | PO BOX 250 BERLIN, OH 44610 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 5.77% |
| YODER INS AGCY & FINANCIAL SER3 | PO BOX 1000 HARTVILLE, OH 44632 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 19.92% |
| HUMMEL GROUP INC3 Filed as: HUMMEL GROUP | 341 W CHURCH ST, PO BOX 3 ORRVILLE, OH 44668 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $772 | — | $772 | 8.43% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: YODER INSRUANCE AGENCY & FINANCIAL | PO BOX 1000 HARTVILLE, OH 44632 | METROPOLITAN LIFE INSURANCE COMPANY | $601 | — | $601 | 11.30% |
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 | 432 | 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) | 432 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 97 | $22K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 523 | $270K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 523 | $270K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 523 | $270K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 432 | $93K |
| Stop-loss / reinsurancereinsurance | AULTCARE INSURANCE COMPANY | 282 | $389K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 523 | $270K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 523 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.