| 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 | $25K | — | $25K | 6.73% |
| MICHAEL T HARWOOD3 | PO BOX 1 APPLE CREEK, OH 44606 | ALLSTATE | $2K | — | $2K | 7.78% |
| HUMMEL GROUP INC3 Filed as: HUMMEL INSURANCE AGENCY | PO BOX 250 BERLIN, OH 44610 | ALLSTATE | $2K | — | $2K | 5.88% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL INE | 315 GREEN RIDGE DR SUITE H 1 NEW CASTLE, PA 16015 | ALLSTATE | $954 | — | $954 | 3.20% |
| MICHAEL W BERUBE3 | 339 23RD ST CANTON, OH 44709 | ALLSTATE | $704 | — | $704 | 2.36% |
| MARK L HUFHAND3 | 1300 CHRISTMAS SEAL DR NW CANTON, OH 44709 | ALLSTATE | $334 | — | $334 | 1.12% |
| ALLAN L MANGUN3 | 7156 ANDIRON CIRCLE NW CANTON, OH 44718 | ALLSTATE | $137 | — | $137 | 0.46% |
| MICHAEL C HURLEY3 | 7484 STATE ROAD 195 ALGER, OH 45812 | ALLSTATE | $52 | — | $52 | 0.17% |
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 | 155 | 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) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AULTCARE INSURANCE COMPANY | 155 | $374K |
| Short-term disability | ALLSTATE | 89 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 155 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.