| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC. NATHAN DECKER | 4990 E GALBRAITH RD STE 102 CINCINNATI, OH 45236 | DELTA DENTAL OF KENTUCKY | $52K | — | $52K | 9.08% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB HEARTLAND LLC NATHAN DECKER | 8044 MONTGOMERY ROAD STE 640 CINCINNATI, OH 45236 | DELTA DENTAL OF KENTUCKY | $5K | — | $5K | 0.92% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 8044 MONTGOMERY ROAD SUITE 640 CINCINNATI, OH 45236 | STANDARD INSURANCE COMPANY | $556 | $12K | $13K | 3.10% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1330 LADY ST COLUMBIA, SC 29201 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 1.35% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB HEARTLAND LLC | 8044 MONTGOMERY ROAD STE 640 CINCINNATI, OH 45236 | STANDARD INSURANCE COMPANY | $419 | — | $419 | 0.10% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 8044 MONTGOMERY ROAD SUITE 640 CINCINNATI, OH 45236 | STANDARD INSURANCE COMPANY | $419 | $10K | $10K | 3.57% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 1330 LADY ST COLUMBIA, SC 29201 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 2.04% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB HEARTLAND LLC | 8044 MONTGOMERY ROAD STE 640 CINCINNATI, OH 45236 | STANDARD INSURANCE COMPANY | $555 | — | $555 | 0.19% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATION INC | 8044 MONTGOMERY ROAD STE 640 CINCINNATI, OH 452362919 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $29 | $12K | 10.21% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 111 WEST JEFFERSON STREET ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | $590 | — | $590 | 0.51% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 8044 MONTGOMERY ROAD SUITE 640 CINCINNATI, OH 45236 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $2K | — | $2K | 2.68% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SERVICE | PO BOX 2158 RIVERSIDE, CA 92516 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | — | $1K | $1K | 1.54% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATION INC | 8044 MONTGOMERY ROAD STE 640 CINCINNATI, OH 452362919 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $29 | $6K | 9.69% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 111 WEST JEFFERSON STREET ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | $380 | — | $380 | 0.63% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | EMPLOYEE BENEFITS DEPT 55 E JACKSON BLVD #14A CHICAGO, IL 60604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 21.45% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MW LIMITED | 8044 MONTGOMERY ROAD STE 640 CINCINNATI, OH 45236 | UNUM LIFE INSURANCE COMPANY OF AMERICA | -$2K | — | -$2K | -6.45% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATION INC | 8044 MONTGOMERY ROAD STE 640 CINCINNATI, OH 452362919 | METROPOLITAN LIFE INSURANCE COMPANY | — | $29 | $29 | — |
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 | 1,450 | 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) | 1,451 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 110 | $27K |
| Dental | DELTA DENTAL OF KENTUCKY | 1,950 | $577K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 1,782 | $86K |
| Life insurance | STANDARD INSURANCE COMPANY | 1,397 | $415K |
| Long-term disability | STANDARD INSURANCE COMPANY | 1,397 | $292K |
| Other(5 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 1,397 | $618K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,950 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.