| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEMMELGARN BENEFITS, LLC3 | PO BOX 23 MINSTER, OH 45865 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $56K | $0 | $56K | 3.72% |
| RANDELL J. HEMMELGARN3 | 11 PARKVIEW DRIVE MINSTER, OH 45865 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $22K | $0 | $22K | 1.45% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 323 WEST LAKESIDE AVENUE, SUITE 410 CLEVELAND, OH 44113 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $0 | $8K | 0.52% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES, INC. | 2850 GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $2K | $2K | 0.10% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 30 WATERSIDE DRIVE FARMINGTON, CT 06034 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 0.07% |
| BARBARA S. SHEAHAN-CLAIR3 | 3277 ROUND LAKE HIGHWAY MANTIOU BEACH, MI 49253 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $246 | $0 | $246 | 0.02% |
| STAMMEN INSURANCE GROUP, LLC3 | 115-117 SOUTH MAIN STREET CELINA, OH 45822 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17 | $0 | $17 | 0.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 30 WATERSIDE DRIVE FARMINGTON, CT 06034 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 2.83% |
| BARBARA S. SHEAHAN-CLAIR3 | 3277 ROUND LAKE HIGHWAY MANTIOU BEACH, MI 49253 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $581 | $0 | $581 | 0.56% |
| STAMMEN INSURANCE GROUP, LLC3 | 115-117 SOUTH MAIN STREET CELINA, OH 45822 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $299 | $0 | $299 | 0.29% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1501 REEDSDALE STREET, SUITE 2005 PITTSBURGH, PA 15233 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $9 | $0 | $9 | 0.01% |
| HEMMELGARN BENEFITS, LLC3 | PO BOX 23 MINSTER, OH 45865 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $9 | $0 | $9 | 0.01% |
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 | 1,509 | 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) | 1,509 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,509 | $1.6M |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,509 | $1.6M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,509 | $1.5M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,509 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,509 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.