| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON | — | AULTCARE INSURANCE COMPANY | $17K | — | $17K | 1.18% |
| HUMMEL GROUP INC3 | PO BOX 250 BERLIN, OH 44610 | ANTHEM LIFE INSURANCE COMPANY | $8K | — | $8K | 11.55% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE INC. | 37 W BROAD STREET 7TH FL COLUMBUS, OH 43215 | ANTHEM LIFE INSURANCE COMPANY | $8K | — | $8K | 11.55% |
| HUNTINGTON INSURANCE INC3 | 37 W BROAD ST 7TH FL COLUMBUS, OH 43215 | ANTHEM LIFE INSURANCE COMPANY | $5K | — | $5K | 11.58% |
| HUMMEL GROUP INC3 | PO BOX 250 BERLIN, OH 44610 | ANTHEM LIFE INSURANCE COMPANY | $5K | — | $5K | 11.58% |
| HUNTINGTON INSURANCE INC3 | 37 W BROAD ST 7TH FL COLUMBUS, OH 43215 | ANTHEM LIFE INSURANCE COMPANY | $2K | — | $2K | 4.88% |
| HUMMEL GROUP INC3 | PO BOX 250 BERLIN, OH 44610 | ANTHEM LIFE INSURANCE COMPANY | $2K | — | $2K | 4.88% |
| HUNTINGTON INSURANCE INC3 | 41 SOUTH HIGH STREET COLUMBUS, OH 43215 | COMMUNITY INSURANCE COMPANY | $1K | $73 | $1K | 2.89% |
| HUMMEL GROUP INC3 | 4585 STATE ROUTE 39 BERLIN, OH 44610 | COMMUNITY INSURANCE COMPANY | $1K | — | $1K | 2.70% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE, INC. | L-4238 COLUMBUS, OH 43260 | VISION SERVICE PLAN | $459 | — | $459 | 3.11% |
| HUMMEL GROUP INC3 | PO BOX 3 ORRVILLE, OH 44667 | VISION SERVICE PLAN | $459 | — | $459 | 3.11% |
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 | 159 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 160 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AULTCARE INSURANCE COMPANY | 140 | $1.5M |
| Dental | COMMUNITY INSURANCE COMPANY | 140 | $38K |
| Vision | VISION SERVICE PLAN | 87 | $15K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 159 | $69K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 136 | $42K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 63 | $45K |
| Prescription drug | AULTCARE INSURANCE COMPANY | 127 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 159 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.