| 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 | $33K | — | $33K | 8.82% |
| MICHAEL T HARWOOD3 | PO BOX 1 APPLE CREEK, OH 44606 | ALLSTATE | $3K | — | $3K | 9.99% |
| HUMMEL GROUP INC3 Filed as: HUMMEL INSURANCE AGENCY | PO BOX 250 BERLIN, OH 44610 | ALLSTATE | $2K | — | $2K | 6.25% |
| LAYNE FINANCIAL INC3 | 315 GREEN RIDGE DR SUITE H 1 NEW CASTLE, PA 16015 | ALLSTATE | $970 | — | $970 | 3.45% |
| MARK L HUFHAND3 | 3313 LEE ST NORTH CANTON, OH 44720 | ALLSTATE | $332 | — | $332 | 1.18% |
| MICHAEL W BERUBE3 | PO BOX 9825 CANTON, OH 44711 | ALLSTATE | $258 | — | $258 | 0.92% |
| ALLAN L MANGUN3 | 7156 ANDIRON CIRCLE NW CANTON, OH 44718 | ALLSTATE | $104 | — | $104 | 0.37% |
| MICHAEL C HURLEY3 | 7484 STATE ROAD 195 ALGER, OH 45812 | ALLSTATE | $28 | — | $28 | 0.10% |
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 | 142 | 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) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AULTCARE INSURANCE COMPANY | 142 | $372K |
| Short-term disability | ALLSTATE | 91 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 142 | — |
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.