| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 8044 MONTGOMERY ROAD SUITE 640 CINCINNATI, OH 45236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $102K | $10K | $112K | 16.52% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 8044 MONTGOMERY ROAD SUITE 640 CINCINNATI, OH 45236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $42K | $4K | $46K | 16.52% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 8044 MONTGOMERY ROAD SUITE 640 CINCINNATI, OH 45236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $3K | $8K | 4.88% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN SECURITIES | 8044 MONTGOMERY ROAD SUITE 640 CINCINNATI, OH 45236 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $28K | $16K | $43K | 26.53% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $6K | $6K | 3.95% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MW LIMITED | 8044 MONTGOMERY RD STE 640 CINCINNATI, OH 45236 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 2.73% |
| HOERNSCHEMEYER, GREGORY L3 | 4990 EAST GALBRAITH ROAD SUITE 102 CINCINNATI, OH 45236 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $911 | $911 | 0.56% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGENCY INC | 3931 S DIXIE DR SUITE 102 DAYTON, OH 45439 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $31 | — | $31 | 0.02% |
| HORAN ASSOCIATES INC.3 | 8044 MONTGOMERY ROAD STE 640 CINCINNATI, OH 45236 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $17K | — | $17K | 18.21% |
| HORAN ASSOCIATES INC.3 | 8044 MONTGOMERY ROAD STE 640 CINCINNATI, OH 45236 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $15K | — | $15K | 19.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 8044 MONTGOMERY RD SUITE 640 CINCINNATI, OH 45236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $791 | $4K | 8.03% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 8044 MONTGOMERY ROAD SUITE 640 CINCINNATI, OH 45236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $529 | $6K | 16.59% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 8044 MONTGOMERY ROAD SUITE 640 CINCINNATI, OH 45236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $15 | $2K | 9.19% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 8044 MONTGOMERY ROAD SUITE 640 CINCINNATI, OH 45236 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $43 | — | $43 | 5.56% |
| THOMAS CHRISTOPHER SMITH3 Filed as: THOMAS SMITH | 798 BERRY ROAD PO BOX 40386 NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $19 | — | $19 | 2.46% |
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 | 1,399 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,405 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,338 | $336K |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,399 | $840K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,399 | $168K |
| Other(6 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,338 | $231K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,399 | — |
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.