| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB HEARTLAND LLC | 8044 MONTGOMERY RD, SUITE 640 CINCINNATI, OH 45236 | MEDICAL MUTUAL OF OHIO | $65K | $36K | $101K | 3.29% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES | 8044 MONTGOMERY RD, SUITE 640 CINCINNATI, OH 45236 | MEDICAL MUTUAL OF OHIO | $6K | $25 | $6K | 0.19% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB HEARTLAND LLC | 8044 MONTGOMERY RD CINCINNATI, OH 45236 | MEDMUTUAL LIFE INSURANCE COMPANY | $9K | $5K | $14K | 11.67% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES | 8044 MONTGOMERY RD CINCINNATI, OH 45236 | MEDMUTUAL LIFE INSURANCE COMPANY | $1K | $470 | $2K | 1.42% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB HARTLAND LLC | 8044 MONTGOMERY, SUITE 640 CINCINNATI, OH 45236 | SUPERIOR DENTAL CARE | $5K | $192 | $5K | 4.95% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES | 8044 MONTGOMERY, SUITE 640 CINCINNATI, OH 45236 | SUPERIOR DENTAL CARE | $474 | $350 | $824 | 0.76% |
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 | 191 | 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) | 191 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL OF OHIO | 166 | $3.1M |
| Dental | SUPERIOR DENTAL CARE | 141 | $109K |
| Vision | MEDICAL MUTUAL OF OHIO | 166 | $3.1M |
| Life insurance | MEDMUTUAL LIFE INSURANCE COMPANY | 191 | $119K |
| Long-term disability | MEDMUTUAL LIFE INSURANCE COMPANY | 191 | $119K |
| Prescription drug | MEDICAL MUTUAL OF OHIO | 166 | $3.1M |
| Other(2 contracts, 2 carriers) | MEDMUTUAL LIFE INSURANCE COMPANY | 191 | $123K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 191 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.