| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUNTINGTON INSURANCE - MILLERSBURG3 Filed as: HUNTINGTON INSURANCE / HUMMEL GROUP | — | AULTCARE INSURANCE COMPANY | $27K | — | $27K | 2.22% |
| HUNTINGTON INSURANCE INC3 | 221 S CHURCH ST BOWLING GREEN, OH 43402 | AMERICAN UNITED LIFE INSURANCE COMPANY | $4K | — | $4K | 7.48% |
| HUMMEL GROUP INC3 Filed as: HUMMEL GROUP INC. | PO BOX 3 ORRVILLE, OH 44667 | AMERICAN UNITED LIFE INSURANCE COMPANY | $4K | — | $4K | 7.48% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE INC. | 37 W BROAD STREET COLUMBUS, OH 43215 | ANTHEM LIFE INSURANCE COMPANY | $584 | $352 | $936 | 2.11% |
| HUMMEL GROUP INC3 | 461 WADSWORTH RD. PO BOX 3 ORRVILLE, OH 44667 | ANTHEM LIFE INSURANCE COMPANY | $584 | — | $584 | 1.32% |
| HUNTINGTON INSURANCE INC3 | 37 W BROAD STREET COLUMBUS, OH 43215 | COMMUNITY INSURANCE COMPANY | $2K | $72 | $2K | 7.30% |
| HUMMEL GROUP INC3 | 461 WADSWORTH RD ORRVILLE, OH 44667 | COMMUNITY INSURANCE COMPANY | $2K | — | $2K | 7.00% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE, INC. | 221 S CHURCH ST BOWLING GREEN, OH 43402 | VISION SERVICE PLAN | $442 | — | $442 | 3.22% |
| HUMMEL GROUP INC3 | PO BOX 3 ORRVILLE, OH 44667 | VISION SERVICE PLAN | $442 | — | $442 | 3.22% |
| HUNTINGTON INSURANCE INC3 | 37 W BROAD STREET COLUMBUS, OH 43215 | COMMUNITY INSURANCE COMPANY | $639 | $42 | $681 | 10.76% |
| HUMMEL GROUP INC3 | 461 WADSWORTH RD ORRVILLE, OH 44667 | COMMUNITY INSURANCE COMPANY | $639 | — | $639 | 10.10% |
| SHAWAN MARQUIS AGENCY INC3 | 110 EAST WILSON BRIDGE RD STE 260 COLUMBUS, OH 43085 | COMMUNITY INSURANCE COMPANY | $124 | — | $124 | 1.96% |
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 | 124 | 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) | 124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | AULTCARE INSURANCE COMPANY | 112 | $1.3M |
| Dental(2 contracts) | COMMUNITY INSURANCE COMPANY | 69 | $30K |
| Vision | VISION SERVICE PLAN | 77 | $14K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 124 | $44K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 124 | $44K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 124 | $44K |
| Prescription drug | AULTCARE INSURANCE COMPANY | 112 | $1.2M |
| Other | AMERICAN UNITED LIFE INSURANCE COMPANY | 54 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 124 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.