| 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 | $122K | — | $122K | 10.45% |
| HUMMEL GROUP INC3 Filed as: HUMMEL GROUP | PO BOX 250 BERLIN, OH 44610 | AMERICAN UNITED LIFE INSURANCE COMPANY | $31K | — | $31K | 14.03% |
| HUMMEL GROUP INC3 Filed as: HUMMEL INSURANCE | PO BOX 250 BERLIN, OH 44610 | AMERICAN HERITAGE LIFE INSURANCE | $24K | — | $24K | 11.64% |
| M H ADVISORS INC3 | 36 SHANNON DRIVE APPLE CREEK, OH 44606 | AMERICAN HERITAGE LIFE INSURANCE | $23K | — | $23K | 11.45% |
| COVEY RUN INSURANCE LLC3 Filed as: COVEY RUN INSURANCE | 341 COPPER CREEK AMHERST, OH 44001 | AMERICAN HERITAGE LIFE INSURANCE | $2K | — | $2K | 1.04% |
| CGI VOLUNTARY BENEFITS, INC.3 Filed as: CGI VOLUNTARY BENEFITS INC | 3500 WOODRIDGE ROAD CLEVELAND HEIGHTS, OH 44121 | AMERICAN HERITAGE LIFE INSURANCE | $850 | — | $850 | 0.42% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL | 315 GREEN RIDGE DR NEW CASTLE, PA 16015 | AMERICAN HERITAGE LIFE INSURANCE | $839 | — | $839 | 0.41% |
| MARK L HUFHAND3 | 925 S MAIN ST NORTH CANTON, OH 44720 | AMERICAN HERITAGE LIFE INSURANCE | $406 | — | $406 | 0.20% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE | 37 WEST BROAD ST COLUMBUS, OH 43215 | AMERICAN HERITAGE LIFE INSURANCE | $378 | — | $378 | 0.19% |
| CATHY S STEINMETZ3 | 4674 RIVERDALE RD BOLIVAR, OH 44612 | AMERICAN HERITAGE LIFE INSURANCE | $238 | — | $238 | 0.12% |
| THOMAS W BOSTON3 Filed as: THOMAS BOSTON | 1275 W MAPLE ST HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE INSURANCE | $191 | — | $191 | 0.09% |
| MICHAEL W BERUBE3 | PO BOX 9825 CANTON, OH 44711 | AMERICAN HERITAGE LIFE INSURANCE | $131 | — | $131 | 0.06% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE | 221 S CHURCH ST BOWLING GREEN, OH 43402 | AMERICAN HERITAGE LIFE INSURANCE | $56 | — | $56 | 0.03% |
| DAVID A YOST3 | 2421 SHEPHERDS RIDGE POLAND, OH 44514 | AMERICAN HERITAGE LIFE INSURANCE | $5 | — | $5 | 0.00% |
| MICHAEL C HURLEY3 | 7484 STATE ROUTE 195 ALGER, OH 45812 | AMERICAN HERITAGE LIFE INSURANCE | $3 | — | $3 | 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 3 ORRVILLE, OH 44667 | COMPANION LIFE INSURANCE COMPANY | $13K | — | $13K | 15.00% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL | 3009 WILMINGTON RD SUITE 100 NEW CASTLE, PA 16105 | COMPANION LIFE INSURANCE COMPANY | $6K | — | $6K | 7.50% |
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 | 4,018 | 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) | 4,018 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AULTCARE INSURANCE COMPANY | 1,510 | $1.2M |
| Life insurance(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 1,661 | $426K |
| Short-term disability(3 contracts, 3 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 1,661 | $511K |
| Long-term disability(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 1,661 | $426K |
| Stop-loss / reinsurancereinsurance | AULTCARE INSURANCE COMPANY | 1,510 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,661 | — |
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.