| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUMMEL GROUP INC3 Filed as: HUMMEL GROUP | PO BOX 250 BERLIN, OH 44610 | AULTCARE INSURANCE COMPANY | $166K | — | $166K | 10.69% |
| HUMMEL GROUP INC3 Filed as: HUMMEL INSURANCE | PO BOX 250 BERLIN, OH 44610 | AMERICAN HERITAGE LIFE INSURANCE | $45K | — | $45K | 13.23% |
| M H ADVISORS INC3 | 36 SHANNON DRIVE APPLE CREEK, OH 44606 | AMERICAN HERITAGE LIFE INSURANCE | $39K | — | $39K | 11.48% |
| COVEY RUN INSURANCE LLC3 Filed as: COVEY RUN INSURANCE | 341 COPPER CREEK AMHERST, OH 44001 | AMERICAN HERITAGE LIFE INSURANCE | $3K | — | $3K | 0.79% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL | 315 GREEN RIDGE DR NEW CASTLE, PA 16015 | AMERICAN HERITAGE LIFE INSURANCE | $3K | — | $3K | 0.75% |
| CGI VOLUNTARY BENEFITS, INC.3 Filed as: CGI VOLUNTARY BENEFITS INC | 3500 WOODRIDGE ROAD CLEVELAND HEIGHTS, OH 44121 | AMERICAN HERITAGE LIFE INSURANCE | $823 | — | $823 | 0.24% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE | 37 WEST BROAD ST COLUMBUS, OH 43215 | AMERICAN HERITAGE LIFE INSURANCE | $393 | — | $393 | 0.11% |
| MARK L HUFHAND3 | 925 S MAIN ST NORTH CANTON, OH 44720 | AMERICAN HERITAGE LIFE INSURANCE | $378 | — | $378 | 0.11% |
| CATHY S STEINMETZ3 | 4674 RIVERDALE RD BOLIVAR, OH 44612 | AMERICAN HERITAGE LIFE INSURANCE | $225 | — | $225 | 0.07% |
| THOMAS W BOSTON3 Filed as: THOMAS BOSTON | 1275 W MAPLE ST HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE INSURANCE | $156 | — | $156 | 0.05% |
| MICHAEL W BERUBE3 | PO BOX 9825 CANTON, OH 44711 | AMERICAN HERITAGE LIFE INSURANCE | $94 | — | $94 | 0.03% |
| ADRIENNE E VAUGHAN3 | PO BOX 1607 STOW, OH 44244 | AMERICAN HERITAGE LIFE INSURANCE | $10 | — | $10 | 0.00% |
| DAVID CAMPANA INSURANCE LTD3 Filed as: DAVID CAMPANA INC LTD | 341 COPPER CREEK AMHERST, OH 44001 | AMERICAN HERITAGE LIFE INSURANCE | $8 | — | $8 | 0.00% |
| DAVID A YOST3 | 2421 SHEPHERDS RIDGE POLAND, OH 44514 | AMERICAN HERITAGE LIFE INSURANCE | $5 | — | $5 | 0.00% |
| DARIN A AULT3 | 214 EAST MAITLAND LN NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE | $1 | — | $1 | 0.00% |
| HUMMEL GROUP INC3 | PO BOX 250 BERLIN, OH 44610 | STANDARD INSURANCE COMPANY | $46K | — | $46K | 15.00% |
| PAYCOR INC3 | PO BOX 639860 CINCINNATI, OH 45263 | STANDARD INSURANCE COMPANY | — | $9K | $9K | 3.00% |
| HUMMEL GROUP INC3 | PO BOX 250 BERLIN, OH 44610 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 10.00% |
| PAYCOR INC3 | PO BOX 639860 CINCINNATI, OH 45263 | STANDARD INSURANCE COMPANY | — | $2K | $2K | 3.00% |
| HUMMEL GROUP INC3 | PO BOX 3 ORRVILLE, OH 44667 | COMPANION LIFE INSURANCE COMPANY | $6K | — | $6K | 14.74% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL | 3009 WILMINGTON RD SUITE 100 NEW CASTLE, PA 16105 | COMPANION LIFE INSURANCE COMPANY | $3K | — | $3K | 7.37% |
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 | 2,256 | 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) | 2,256 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AULTCARE INSURANCE COMPANY | 1,794 | $1.5M |
| Life insurance(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE | 2,256 | $401K |
| Short-term disability(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE | 999 | $383K |
| Long-term disability(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE | 2,256 | $645K |
| Stop-loss / reinsurancereinsurance | AULTCARE INSURANCE COMPANY | 1,794 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,256 | — |
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.