| 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 | $83K | — | $83K | 16.01% |
| HUMMEL GROUP INC3 Filed as: HUMMEL GROUP | PO BOX 250 BERLIN, OH 44610 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 8.23% |
| MICHAEL T HARWOOD3 | PO BOX 1 APPLE CREEK, OH 44606 | AMERICAN HERITAGE LIFE INSURANCE | $5K | — | $5K | 11.94% |
| HUMMEL GROUP INC3 Filed as: HUMMEL INSURANCE | PO BOX 250 BERLIN, OH 44610 | AMERICAN HERITAGE LIFE INSURANCE | $4K | — | $4K | 8.60% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL | 315 GREEN RIDGE DR NEW CASTLE, PA 16015 | AMERICAN HERITAGE LIFE INSURANCE | $2K | — | $2K | 4.63% |
| MICHAEL W BERUBE3 | PO BOX 9825 CANTON, OH 44711 | AMERICAN HERITAGE LIFE INSURANCE | $1K | — | $1K | 2.88% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE | 121 N MARKET ST WOOSTER, OH 44691 | AMERICAN HERITAGE LIFE INSURANCE | $684 | — | $684 | 1.62% |
| MARK L HUFHAND3 | 3313 LEE ST NORTH CANTON, OH 44720 | AMERICAN HERITAGE LIFE INSURANCE | $684 | — | $684 | 1.62% |
| CATHY S STEINMETZ3 | 4674 RIVERDALE RD BOLIVAR, OH 44612 | AMERICAN HERITAGE LIFE INSURANCE | $471 | — | $471 | 1.12% |
| HUNTINGTON INSURANCE INC Filed as: HUNTINGTON INSURANCE | 221 S CHURCH ST BOWLING GREEN, OH 43402 | AMERICAN HERITAGE LIFE INSURANCE | $140 | — | $140 | 0.33% |
| MICHAEL C HURLEY3 | 7484 STATE ROUTE 195 ALGER, OH 45812 | AMERICAN HERITAGE LIFE INSURANCE | $37 | — | $37 | 0.09% |
| DAVID A YOST3 | 2421 SHEPHERDS RIDGE POLAND, OH 44514 | AMERICAN HERITAGE LIFE INSURANCE | $12 | — | $12 | 0.03% |
| DARIN A AULT3 | 12717 NE 171ST LANE WOODINVILLE, WA 98072 | AMERICAN HERITAGE LIFE INSURANCE | $2 | — | $2 | 0.00% |
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 | 1,508 | 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) | 1,508 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AULTCARE INSURANCE COMPANY | 1,368 | $517K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 522 | $118K |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE | 140 | $42K |
| Long-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 522 | $118K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 522 | $76K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,368 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.