| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB HEARTLAND LLC | 8044 MONTGOMERY RD SUITE 640 CINCINNATI, OH 45236 | SUN LIFE ASSURANCE COMPANY OF CANADA | $59K | — | $59K | 10.24% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LIMITED D | DBA HORAN HEALTH 8044 MONTGOMERY RD, STE 640 CINCINNATI, OH 45236 | SUN LIFE ASSURANCE COMPANY OF CANADA | $25K | — | $25K | 4.33% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 5600 NEW KING DR STE 210 TROY, MI 48098 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $17K | $17K | 3.01% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES INC | 306 W ERIE ST SUITE 300 CHICAGO, IL 60654 | SUN LIFE ASSURANCE COMPANY OF CANADA | $14K | — | $14K | 2.35% |
| CENTRO BENEFITS RESEARCH LLC3 | 24500 CHAGRIN BLVD STE 365 BEACHWOOD, OH 44122 | SUN LIFE ASSURANCE COMPANY OF CANADA | $10K | — | $10K | 1.72% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB HEARTLAND LLC | 8044 MONTGOMERY RD STE 640 CINCINNATI, OH 45236 | VISION SERVICE PLAN | $10K | — | $10K | 7.57% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES INC | 306 W ERIE ST STE 300 CHICAGO, IL 60654 | VISION SERVICE PLAN | $750 | — | $750 | 0.54% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB HEARTLAND LLC | 8044 MONTGOMERY RD SUITE 640 CINCINNATI, OH 45236 | SUN LIFE ASSURANCE COMPANY OF CANADA | $9K | — | $9K | 11.30% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | DBA HORAN HEALTH 8044 MONTGOMERY RD, STE 640 CINCINNATI, OH 45236 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | — | $5K | 6.14% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 5600 NEW KING DR STE 210 TROY, MI 48098 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $2K | $2K | 2.97% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES INC | 306 W ERIE ST SUITE 300 CHICAGO, IL 60654 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | — | $1K | 1.49% |
| CENTRO BENEFITS RESEARCH LLC3 | 24500 CHAGRIN BLVD STE 365 BEACHWOOD, OH 44122 | SUN LIFE ASSURANCE COMPANY OF CANADA | $680 | — | $680 | 0.83% |
| VOLUNTARY MARKET SOLUTIONS LLC4 | 4141 HAMILTON EATON RD LOT 93 HAMILTON, OH 450119648 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $2K | — | $2K | 8.67% |
| KARA A GOODWIN4 | PO BOX 325 SEVEN MILE, OH 450620325 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $1K | — | $1K | 4.65% |
| CAP STEWART4 | 5701 WALDEN WOODS CT KNOXVILLE, TN 379213876 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $294 | — | $294 | 1.27% |
| MICHELE A WILSON PA4 | 2458 MARIE ST SIMI VALLEY, CA 930652322 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $139 | — | $139 | 0.60% |
| NEW CHARTERS LLC4 | PO BOX 8927 ELIZABETH, NJ 072010827 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $46 | — | $46 | 0.20% |
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 | 659 | 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) | 659 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 623 | $139K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 659 | $574K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 659 | $574K |
| Other(3 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 659 | $679K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 659 | — |
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.