| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SERVICE | 600 CORPORATE POINTE FL 6 CULVER CITY, CA 90230 | RELIASTAR LIFE INSURANCE COMPANY | $39K | — | $39K | 4.63% |
| WATCHTOWER TECHNOLOGIES INC3 | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | RELIASTAR LIFE INSURANCE COMPANY | — | $13K | $13K | 1.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB HEARTLAND LLC | 8044 MONTGOMERY ROAD STE 640 CINCINNATI, OH 45236 | RELIASTAR LIFE INSURANCE COMPANY | $90K | — | $90K | 23.33% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SERVICE | 600 CORPORATE POINTE FL 6 CULVER CITY, CA 90230 | RELIASTAR LIFE INSURANCE COMPANY | $19K | — | $19K | 5.07% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | RELIASTAR LIFE INSURANCE COMPANY | — | $6K | $6K | 1.50% |
| ADP INC3 Filed as: ADP, INC. | PO BOX 842875 BOSTON, MA 02284 | RELIASTAR LIFE INSURANCE COMPANY | — | $1K | $1K | 0.39% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN WEALTH LLC | 8044 MONTGOMERY ROAD STE 640 CINCINNATI, OH 45236 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $39K | $27K | $66K | 27.84% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST SUITE 900 PORTLAND, OH 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $6K | $6K | 2.73% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB HEARTLAND LLC | STE 640 8044 MONTGOMERY RD CINCINNATI, OH 45236 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 1.48% |
| HOERNSCHEMEYER, GREGORY L3 | 7809 EUCLID AVE CINCINNATI, OH 45236 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $714 | $714 | 0.30% |
| MARSH & MCLENNAN AGENCY LLC0 Filed as: MCGOHAN BRABENDER AGCY INC | 3931 S DIXIE DR DAYTON, OH 45439 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $37 | — | $37 | 0.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SERVICE | 600 CORPORATE POINTE FL 6 CULVER CITY, CA 90230 | RELIASTAR LIFE INSURANCE COMPANY | $10K | — | $10K | 4.65% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB HEARTLAND LLC | 8044 MONTGOMERY ROAD STE 640 CINCINNATI, OH 45236 | RELIASTAR LIFE INSURANCE COMPANY | $6K | — | $6K | 2.57% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | RELIASTAR LIFE INSURANCE COMPANY | — | $3K | $3K | 1.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB HEARTLAND LLC | 8044 MONTGOMERY ROAD STE 640 CINCINNATI, OH 45236 | RELIASTAR LIFE INSURANCE COMPANY | $11K | — | $11K | 10.00% |
| BENE RE LLC3 | 5217 MONROE ST STE B TOLEDO, OH 43623 | RELIASTAR LIFE INSURANCE COMPANY | — | $9K | $9K | 8.00% |
| ADP INC3 Filed as: ADP, INC. | PO BOX 842875 BOSTON, MA 02284 | RELIASTAR LIFE INSURANCE COMPANY | — | $1K | $1K | 1.31% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB HEARTLAND LLC | 8044 MONTGOMERY RD STE 640 CINCINNATI, OH 45236 | RELIASTAR LIFE INSURANCE COMPANY | $10K | — | $10K | 10.00% |
| BENE RE LLC3 | 5217 MONROE ST STE B TOLEDO, OH 43623 | RELIASTAR LIFE INSURANCE COMPANY | — | $8K | $8K | 8.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB HEARTLAND LLC | 8044 MONTGOMERY ROAD STE 640 CINCINNATI, OH 45236 | RELIASTAR LIFE INSURANCE COMPANY | $11K | — | $11K | 20.25% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SERVICE | 600 CORPORATE POINTE FL 6 CULVER CITY, CA 90230 | RELIASTAR LIFE INSURANCE COMPANY | $3K | — | $3K | 4.85% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | RELIASTAR LIFE INSURANCE COMPANY | — | $811 | $811 | 1.50% |
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 | 1,452 | 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) | 1,452 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 2,732 | $384K |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 1,522 | $839K |
| Long-term disability(2 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 1,522 | $458K |
| Other(4 contracts) | RELIASTAR LIFE INSURANCE COMPANY | 2,419 | $271K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,732 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.