| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUMMEL GROUP INC3 | PO BOX 250 BERLIN, OH 44610 | COMMUNITY INSURANCE COMPANY | $50K | $357 | $50K | 31.65% |
| HUMMEL GROUP INC3 Filed as: HUMMEL GROUP | PO BOX 250 BERLIN, OH 44610 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 9.63% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE | 121 N MARKET ST WOOSTER, OH 44691 | AMERICAN HERITAGE LIFE INSURANCE | $1K | — | $1K | 8.27% |
| CATHY S STEINMETZ3 | 1300 CHRISTMAS SEAL DR CANTON, OH 44709 | AMERICAN HERITAGE LIFE INSURANCE | $748 | — | $748 | 5.27% |
| HUMMEL GROUP INC3 Filed as: HUMMEL INSURANCE | PO BOX 250 BERLIN, OH 44610 | AMERICAN HERITAGE LIFE INSURANCE | $529 | — | $529 | 3.73% |
| MICHAEL W BERUBE3 | 339 23RD ST CANTON, OH 44709 | AMERICAN HERITAGE LIFE INSURANCE | $280 | — | $280 | 1.97% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL | 315 GREEN RIDGE DR NEW CASTLE, PA 16015 | AMERICAN HERITAGE LIFE INSURANCE | $252 | — | $252 | 1.77% |
| MARK L HUFHAND3 | 1300 CHRISTMAS SEAL DRIVE CANTON, OH 44709 | AMERICAN HERITAGE LIFE INSURANCE | $164 | — | $164 | 1.15% |
| MICHAEL C HURLEY3 | 7484 STATE ROUTE 195 ALGER, OH 45812 | AMERICAN HERITAGE LIFE INSURANCE | $47 | — | $47 | 0.33% |
| MICHAEL T HARWOOD3 | PO BOX 1 APPLE CREEK, OH 44606 | AMERICAN HERITAGE LIFE INSURANCE | $34 | — | $34 | 0.24% |
| DAVID A YOST3 | 2421 SHEPHERDS RIDGE POLAND, OH 44514 | AMERICAN HERITAGE LIFE INSURANCE | $14 | — | $14 | 0.10% |
| DARIN A AULT3 | 12717 NE 171ST LANE WOODINVILLE, WA 98072 | AMERICAN HERITAGE LIFE INSURANCE | $3 | — | $3 | 0.02% |
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 | 582 | 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) | 582 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN HERITAGE LIFE INSURANCE | 60 | $14K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 522 | $73K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 522 | $59K |
| Stop-loss / reinsurancereinsurance | COMMUNITY INSURANCE COMPANY | 344 | $159K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 522 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 522 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.