| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUMMEL GROUP INC3 Filed as: HUMMEL GROUP, INC. | PO BOX 250 BERLIN, OH 44610 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $6K | $10K | 10.47% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL | 3009 WILMINGTON RD SUITE 100 NEW CASTLE, PA 16105 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 1.87% |
| BNYU LLC3 | 315 GREEN RIDGE ROAD SUITE H1 NEW CASTLE, PA 16105 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 1.52% |
| HUMMEL GROUP INC3 Filed as: HUMMEL GROUP | 341 W CHURCH ST ORRVILLE, OH 44668 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 15.00% |
| MICHAEL T HARWOOD3 Filed as: MICHAEL HARWOOD | PO BOX 1 APPLE CREEK, OH 44606 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $799 | — | $799 | 7.21% |
| HUMMEL GROUP INC3 Filed as: HUMMEL GROUP | PO BOX 250 BERLIN, OH 44610 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $724 | — | $724 | 6.53% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL | 3009 WILMINGTON RD SUITE 100 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $166 | — | $166 | 1.50% |
| MICHAEL W BERUBE3 Filed as: MICHAEL BERUBE | PO BOX 9825 CANTON, OH 44711 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $115 | — | $115 | 1.04% |
| MARK L HUFHAND3 Filed as: MARK HUFHAND | 925 S MAIN ST NORTH CANTON, OH 44720 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $109 | — | $109 | 0.98% |
| COVEY RUN INSURANCE LLC3 Filed as: COVEY RUN INSURANCE | 341 COPPER CREEK AMHERST, OH 44001 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $14 | — | $14 | 0.13% |
| MICHAEL C HURLEY3 | 7484 STATE ROUTE 195 ALGER, OH 45812 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12 | — | $12 | 0.11% |
| JOHN F ADAMSKY3 | PO BOX 6164 NEW PHILADELPHIA, OH 44663 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10 | — | $10 | 0.09% |
| THOMAS W BOSTON3 Filed as: THOMAS BOSTON | 13661 MARKET AVE N HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7 | — | $7 | 0.06% |
| HUMMEL GROUP INC3 Filed as: HUMMEL GROUP | 341 W CHURCH ST ORRVILLE, OH 44668 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $528 | — | $528 | 9.99% |
| HUMMEL GROUP INC3 Filed as: HUMMEL GROUP, INC. | PO BOX 250 BERLIN, OH 44610 | AFLAC | $37 | — | $37 | 2.62% |
| WILLIAM PAINTER3 | 2847 OUTLOOK DR SILVER LAKE, OH 44224 | AFLAC | $23 | — | $23 | 1.63% |
| GAYLORD I KAUFFMAN3 Filed as: GAYLORD KAUFFMAN | 315 GREEN RIDGE ROAD SUITE H1 NEW CASTLE, PA 16105 | AFLAC | $19 | — | $19 | 1.34% |
| NICHOLAS PETRYCKI3 | 8141 LARKSPUR AVE NW NORTH CANTON, OH 44720 | AFLAC | $19 | — | $19 | 1.34% |
| CURTIS A BRUGH II3 Filed as: CURTIS BRUGH | 10545 SUGAR RIDGE WAY INDIANAPOLIS, IN 46239 | AFLAC | $17 | — | $17 | 1.20% |
| JEFFREY ALAN CHAPLA3 | 1319 E EWING AVE SOUTH BEND, IN 46613 | AFLAC | $17 | — | $17 | 1.20% |
| MARK L HUFHAND3 Filed as: MARK HUFHAND | 3313 LEE ST NW NORTH CANTON, OH 44720 | AFLAC | $15 | — | $15 | 1.06% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN COURT | 11206 SHALIMAR DR FORT WAYNE, IN 46845 | AFLAC | $9 | — | $9 | 0.64% |
| JOHN HALL3 | 8467 BALD EAGLE CIRCLE NW MASSILLON, OH 44646 | AFLAC | $9 | — | $9 | 0.64% |
| QUINN, MEYER & ASSOCIATES3 Filed as: QUINN MEYER & ASSOCIATES | 10800 WINCHCOMBE DR DUBLIN, OH 43016 | AFLAC | $7 | — | $7 | 0.50% |
| DOUGLAS FOX3 | 6836 THAYER LAKE DR ALDEN, MI 49612 | AFLAC | $5 | — | $5 | 0.35% |
| JOHN C RASCHELLA3 Filed as: JOHN RASCHELLA | 20521 TAHITIAN BLVD ESTERO, FL 33928 | AFLAC | $1 | — | $1 | 0.07% |
| HUMMEL GROUP INC3 Filed as: HUMMEL GROUP, INC | 341 W. CHURCH STREET ORRVILLE, OH 44668 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $113 | — | $113 | 9.98% |
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 | 217 | 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) | 217 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 258 | $91K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 258 | $91K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 189 | $5K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 258 | $91K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 217 | $18K |
| Other(3 contracts, 3 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 189 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 258 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.