| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 8044 MONTGOMERY RD. STE 640 DBA HORAN HEALTH CINCINNATI, OH 45236 | RELIASTAR LIFE INSURANCE COMPANY | $69K | — | $69K | 15.03% |
| ADP INC3 Filed as: ADP, INC. | PO BOX 842875 BOSTON, MA 02284 | RELIASTAR LIFE INSURANCE COMPANY | — | $4K | $4K | 0.81% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 8044 MONTGOMERY ROAD STE 640 DBA HORAN HEALTH CINCINNATI, OH 45236 | RELIASTAR LIFE INSURANCE COMPANY | $39K | — | $39K | 12.13% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 8044 MONTGOMERY ROAD STE 640 DBA HORAN HEALTH CINCINNATI, OH 45236 | RELIASTAR LIFE INSURANCE COMPANY | $35K | — | $35K | 12.11% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 8044 MONTGOMERY ROAD STE 640 DBA HORAN HEALTH CINCINNATI, OH 45236 | RELIASTAR LIFE INSURANCE COMPANY | $10K | — | $10K | 15.05% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 8044 MONTGOMERY ROAD CINCINNATI, OH 45236 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $5K | — | $5K | 7.42% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | DBA HORAN HEALTH CINCINNATI, OH 45236 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $44 | $1K | 3.72% |
| HOWARD HOROWITZ3 Filed as: HOWARD J HOROWITZ | 2610 ALCOTT ST CARMEL, IN 46032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $498 | $124 | $622 | 1.89% |
| NATHAN D DEFAZIO3 | 332 ONEIDA AVE NW CANTON, OH 44708 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $407 | $9 | $416 | 1.27% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB HEARTLAND LLC | DBA HORAN HEALTH CINCINNATI, OH 45236 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $332 | — | $332 | 1.01% |
| JOSEPH BADGER3 | 1565 MAIN STREET PENINSULA, OH 44264 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $261 | $30 | $291 | 0.89% |
| HOVIE AGENCY LLC3 | 11261 WRIGHT CIRCLE OMAHA, NE 68144 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $141 | $65 | $206 | 0.63% |
| JAMES ALLEN CONNER3 | 517 WEBER AVE SW STRASBURG, OH 44680 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $104 | $48 | $152 | 0.46% |
| MIKE E MENNING3 | 7269 SAWMILL RD DUBLIN, OH 43016 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $140 | — | $140 | 0.43% |
| ZACHARY EUGENE VICKERS3 | 24 S. LOCUST ST MARIETTA, PA 17547 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $80 | — | $80 | 0.24% |
| LISA R CANFIELD3 | 9255 HIGH POINT RD THORNVILLE, OH 43076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $63 | $4 | $67 | 0.20% |
| YESENIA A SANCHEZ3 Filed as: YESENIA A HERNANDEZ | 6715 S KEELER AVE CHICAGO, IL 60629 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $43 | — | $43 | 0.13% |
| GREGORY PAUL STAUDINGER3 | 5650 GREAT NORTHERN BLVD APT 2132 NORTH OLMSTEAD, OH 44070 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $40 | — | $40 | 0.12% |
| DANIEL THOMAS CANFIELD3 | 9255 HIGH POINT RD THORNVILLE, OH 43076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | — | $27 | 0.08% |
| MICHAEL N THORN3 Filed as: MICHAEL N. THORN | 8120 JOSEPH WESTON CT GREENSBORO, NC 27455 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | — | $20 | 0.06% |
| ALLISON GAVALA3 | 733 W MARKET ST AKRON, OH 44303 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.06% |
| WENDY MADONNA3 | 4758 MACGREGOR DRIVE SCHWENKSVILLE, PA 19473 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.05% |
| MIDWEST BENEFITS LLC3 | 1127 FIRESIDE TRAIL BROADVIEW HEIGHTS, OH 44147 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.04% |
| DAN YAARY3 | 13303 CREEKVIEW RD PROSPECT, KY 40059 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.03% |
| MARK CHRISTOPHER MOTZ3 | 85 EPERNAY AVENUE PATASKALA, OH 43062 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.02% |
| FRANCISCO JAVIER RUIZ3 | 10102 COURTNEY OAKS CIRCLE APT 20 TAMPA, FL 33619 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.02% |
| OVERALL BENEFITS GROUP LLC3 | 9255 HIGH POINT RD THORNVILLE, OH 43076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.02% |
| LINDA CURLEY3 | 315 BANJO ST NASHVILLE, TN 37207 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.02% |
| LORI BADGER3 | 1565 MAIN ST PENINSULA, OH 44264 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| RANDELL LYNN KRUSE3 | 2018 DAYTON CT SE RENTON, WA 98055 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| JENNIFER LOEFFLER3 | 4455 MASON RD CANAL WINCHESTER, OH 43110 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| ROCKET BENEFITS INC3 | 13516 ALBANIA WAY AUSTIN, TX 78729 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| MERRILL W SCHOENROCK3 | 14721 BEACON BLVD CARMEL, IN 46032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| LANCE A BRADLEY3 Filed as: LANCE BRADLEY | 2028 MOUNT VERNON CIRCLE HARRISBURG, PA 17110 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| PHILIP LEONARD TUCKER3 | 13516 ALBANIA WAY AUSTIN, TX 78729 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES & HORAN SECURITIES | 8044 MONTGOMERY RD. CINCINNATI, OH 45236 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 10.04% |
| HUB INTERNATIONAL MIDWEST LIMITED4 Filed as: HUB HEARTLAND LLC | 8044 MONTGOMERY ROAD STE 640 CINCINNATI, OH 452362288 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $2K | — | $2K | 14.51% |
| HORAN ASSOCIATES INC.3 | 8044 MONTGOMERY ROAD, SUITE 640 CINCINNATI, OH 45236 | COMBINED INSURANCE COMPANY | $961 | — | $961 | 9.03% |
| THOMAS CHRISTOPHER SMITH3 Filed as: THOMAS SMITH | — | COMBINED INSURANCE COMPANY | $212 | — | $212 | 1.99% |
| HUB INTERNATIONAL MIDWEST LIMITED4 Filed as: HUB HEARTLAND LLC | 8440 MONTGOMERY RD STE 640 CINCINNATI, OH 452362288 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $1K | — | $1K | 19.19% |
| HUB INTERNATIONAL MIDWEST LIMITED4 Filed as: HUB HEARTLAND LLC | 8044 MONTGOMERY ROAD STE 640 CINCINNATI, OH 452362288 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $488 | — | $488 | 21.65% |
| IBENEFIT COMMUNICATION LLC3 Filed as: IBENEFIT COMMUNICATION | — | COMBINED INSURANCE COMPANY | $199 | — | $199 | 14.48% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 8044 MONTGOMERY RD. STE 640 CINCINNATI, OH 45236 | COMBINED INSURANCE COMPANY | $136 | — | $136 | 9.90% |
| BENEFITS ALL IN LLC3 | — | COMBINED INSURANCE COMPANY | $32 | — | $32 | 2.33% |
| THE JOSEPH AGENCY INC.4 Filed as: THE JOSEPH AGENCY | 314 WICKHAM CT LONGWOOD, FL 32779 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $20 | — | $20 | 11.43% |
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 | 2,503 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,525 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(4 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 807 | $93K |
| Life insurance(3 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 3,152 | $469K |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 564 | $325K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 519 | $290K |
| Other(8 contracts, 4 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 3,129 | $135K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,152 | — |
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.