| 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 | $52K | — | $52K | 8.73% |
| HUMMEL GROUP INC3 Filed as: HUMMEL GROUP | PO BOX 250 BERLIN, OH 44610 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | $8K | $15K | 6.91% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INS INC | 37 W BROAD ST FL 7 COLUMBUS, OH 43215 | PRINCIPAL LIFE INSURANCE COMPANY | $11K | — | $11K | 4.85% |
| HUMMEL GROUP INC3 Filed as: HUMMEL GROUP | PO BOX 250 BERLIN, OH 44610 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 19.64% |
| HUNTINGTON INSURANCE INC3 | 37 WEST BROAD ST COLUMBUS, OH 43215 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 6.17% |
| COVEY RUN INSURANCE LLC3 Filed as: COVEY RUN INSURANCE | 341 COPPER CREEK AMHERST, OH 44001 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $201 | — | $201 | 0.83% |
| M H ADVISORS INC3 Filed as: M H ADVISORS | 36 SHANNON DRIVE APPLE CREEK, OH 44606 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $135 | — | $135 | 0.56% |
| CGI VOLUNTARY BENEFITS, INC.3 Filed as: CGI VOLUNTARY BENEFITS INC | 20046 WALKER ROAD #5 SHAKER HEIGHTS, OH 44121 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $115 | — | $115 | 0.47% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL | 3009 WILMINGTON RD SUITE 100 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $53 | — | $53 | 0.22% |
| VOLUNTARY INS GROUP INC3 | 11705 NW 82ND CT PARKLAND, FL 33076 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $26 | — | $26 | 0.11% |
| MARK L HUFHAND3 Filed as: MARK HUFHAND | 925 S MAIN ST NORTH CANTON, OH 44720 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $22 | — | $22 | 0.09% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER H&B ADMIN LLC | PO BOX 850502 MINNEAPOLIS, MN 554850502 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $22 | — | $22 | 0.09% |
| THOMAS W BOSTON3 Filed as: THOMAS BOSTON | 13661 MARKET AVE N HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.01% |
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 | 515 | 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) | 515 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 515 | $221K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 515 | $221K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 515 | $221K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 515 | $221K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 515 | $221K |
| Stop-loss / reinsurancereinsurance | AULTCARE INSURANCE COMPANY | 197 | $598K |
| Other | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 41 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 515 | — |
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.