| 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 | $94K | $194K | $288K | 40.40% |
| HUMMEL GROUP INC | PO BOX 3 ORRVILLE, OH 44667 | COMPANION LIFE INSURANCE COMPANY | $17K | — | $17K | 14.28% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL | 3009 WILMINGTON RD SUITE 100 NEW CASTLE, PA 16105 | COMPANION LIFE INSURANCE COMPANY | $9K | — | $9K | 7.36% |
| HUMMEL GROUP INC3 Filed as: HUMMEL GROUP | PO BOX 250 BERLIN, OH 44610 | AMERICAN UNITED LIFE INSURANCE COMPANY | $16K | — | $16K | 13.98% |
| HUMMEL GROUP INC3 Filed as: HUMMEL INSURANCE | PO BOX 250 BERLIN, OH 44610 | AMERICAN HERITAGE LIFE INSURANCE | $12K | — | $12K | 10.62% |
| MICHAEL T HARWOOD3 | 36 SHANNON DR APPLE CREEK, OH 44606 | AMERICAN HERITAGE LIFE INSURANCE | $11K | — | $11K | 10.15% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL | 315 GREEN RIDGE DR NEW CASTLE, PA 16015 | AMERICAN HERITAGE LIFE INSURANCE | $1K | — | $1K | 1.26% |
| MARK L HUFHAND3 | 925 S MAIN ST NORTH CANTON, OH 44720 | AMERICAN HERITAGE LIFE INSURANCE | $1K | — | $1K | 0.98% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE | 37 WEST BROAD ST COLUMBUS, OH 43215 | AMERICAN HERITAGE LIFE INSURANCE | $654 | — | $654 | 0.58% |
| COVEY RUN INSURANCE LLC3 Filed as: COVEY RUN INSURANCE | 341 COPPER CREEK AMHERST, OH 44001 | AMERICAN HERITAGE LIFE INSURANCE | $558 | — | $558 | 0.50% |
| CATHY S STEINMETZ3 | 4674 RIVERDALE RD BOLIVAR, OH 44612 | AMERICAN HERITAGE LIFE INSURANCE | $309 | — | $309 | 0.27% |
| MICHAEL W BERUBE3 | PO BOX 9825 CANTON, OH 44711 | AMERICAN HERITAGE LIFE INSURANCE | $296 | — | $296 | 0.26% |
| THOMAS W BOSTON3 Filed as: THOMAS BOSTON | 1275 W MAPLE ST HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE INSURANCE | $293 | — | $293 | 0.26% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE | 221 S CHURCH ST BOWLING GREEN, OH 43402 | AMERICAN HERITAGE LIFE INSURANCE | $102 | — | $102 | 0.09% |
| MICHAEL C HURLEY3 | 7484 STATE ROUTE 195 ALGER, OH 45812 | AMERICAN HERITAGE LIFE INSURANCE | $19 | — | $19 | 0.02% |
| DAVID A YOST3 | 2421 SHEPHERDS RIDGE POLAND, OH 44514 | AMERICAN HERITAGE LIFE INSURANCE | $6 | — | $6 | 0.01% |
| DARIN A AULT3 | 214 EAST MAITLAND LN NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE | $1 | — | $1 | 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 | 2,395 | 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) | 2,395 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AULTCARE INSURANCE COMPANY | 2,395 | $713K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 1,082 | $227K |
| Short-term disability(3 contracts, 3 carriers) | COMPANION LIFE INSURANCE COMPANY | 1,082 | $343K |
| Long-term disability(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 1,082 | $227K |
| Stop-loss / reinsurancereinsurance | AULTCARE INSURANCE COMPANY | 2,395 | $713K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,395 | — |
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.