| 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 | $27K | — | $27K | 8.02% |
| HUMMEL GROUP INC3 Filed as: HUMMEL INSURANCE AGENCY | PO BOX 250 BERLIN, OH 44610 | ALLSTATE / AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 9.31% |
| MICHAEL T HARWOOD3 | 36 SHANNON DRIVE APPLE CREEK, OH 44606 | ALLSTATE / AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 9.08% |
| LAYNE FINANCIAL INC3 | 3009 WILMINGTON RD SUITE 100 NEW CASTLE, PA 16015 | ALLSTATE / AMERICAN HERITAGE LIFE INSURANCE COMPANY | $258 | — | $258 | 1.34% |
| MARK L HUFHAND3 | 925 S MAIN ST NORTH CANTON, OH 44720 | ALLSTATE / AMERICAN HERITAGE LIFE INSURANCE COMPANY | $199 | — | $199 | 1.04% |
| MICHAEL W BERUBE3 | PO BOX 9825 CANTON, OH 44711 | ALLSTATE / AMERICAN HERITAGE LIFE INSURANCE COMPANY | $93 | — | $93 | 0.48% |
| COVEY RUN INSURANCE LLC3 | 341 COPPER CREEK AMHERST, OH 44001 | ALLSTATE / AMERICAN HERITAGE LIFE INSURANCE COMPANY | $68 | — | $68 | 0.35% |
| ALLAN L MANGUN3 | 3100 MAHOGANY RUN CIR NW NORTH CANTON, OH 44720 | ALLSTATE / AMERICAN HERITAGE LIFE INSURANCE COMPANY | $55 | — | $55 | 0.29% |
| THOMAS W BOSTON3 | 1275 W MAPLE ST HARTVILLE, OH 44632 | ALLSTATE / AMERICAN HERITAGE LIFE INSURANCE COMPANY | $32 | — | $32 | 0.17% |
| MICHAEL C HURLEY3 | 7484 STATE ROAD 195 ALGER, OH 45812 | ALLSTATE / AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9 | — | $9 | 0.05% |
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 | 107 | 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) | 107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AULTCARE INSURANCE COMPANY | 107 | $341K |
| Short-term disability | ALLSTATE / AMERICAN HERITAGE LIFE INSURANCE COMPANY | 51 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 107 | — |
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.