| 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 | $7K | $109K | 14.71% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 8044 MONTGOMERY ROAD SUITE 640 CINCINNATI, OH 45236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $42K | $3K | $45K | 14.76% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 8044 MONTGOMERY ROAD SUITE 640 CINCINNATI, OH 45236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | $2K | $11K | 6.09% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN SECURITIES | 4990 EAST GALBRAITH ROAD SUITE 102 CINCINNATI, OH 45236 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $28K | $24K | $52K | 31.39% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 8044 MONTGOMERY ROAD SUITE 640 CINCINNATI, OH 45236 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 3.26% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $5K | $5K | 3.04% |
| GREGORY HOERNSCHEMEYER3 | 4990 EAST GALBRAITH ROAD SUITE 102 CINCINNATI, OH 45236 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $668 | $668 | 0.41% |
| MCGOAHN BARBENDER, INC.3 Filed as: MCGOAHN BRABENDER AGENCY INC | 3931 S DIXIE DR SUITE 102 DAYTON, OH 45439 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $37 | — | $37 | 0.02% |
| HORAN ASSOCIATES INC.3 | 8044 MONTGOMERY ROAD CINCINNATI, OH 45236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $20K | — | $20K | 19.96% |
| HORAN ASSOCIATES INC.3 | 8044 MONTGOMERY ROAD CINCINNATI, OH 45236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $17K | — | $17K | 19.87% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 8044 MONTGOMERY ROAD SUITE 640 CINCINNATI, OH 45236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $540 | $5K | 8.30% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 8044 MONTGOMERY ROAD SUITE 640 CINCINNATI, OH 45236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $340 | $5K | 14.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 8044 MONTGOMERY ROAD SUITE 640 CINCINNATI, OH 45236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $257 | $2K | 12.35% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 8044 MONTGOMERY ROAD SUITE 640 CINCINNATI, OH 45236 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $45 | — | $45 | 5.82% |
| 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 | 1,383 | 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) | 1,389 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,325 | $365K |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,383 | $907K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,383 | $181K |
| Other(7 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,325 | $606K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,383 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.