| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 8044 MONTGOMERY ROAD, SUITE 640 CINCINNATI, OH 452362950 | RELIASTAR LIFE INSURANCE COMPANY-EXRK | $28K | $6K | $34K | 8.17% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC | 8044 MONTGOMERY ROAD, SUITE 640 CINCINNATI, OH 45236 | DELTA DENTAL OF OHIO | $25K | — | $25K | 7.32% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 8044 MONTGOMERY ROAD, SUITE 640 CINCINNATI, OH 452302950 | RELIASTAR LIFE INSURANCE COMPANY-LI | $14K | — | $14K | 7.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 8044 MONTGOMERY ROAD, SUITE 640 CINCINNATI, OH 452362950 | RELIASTAR LIFE INSURANCE COMPANY-LI | $4K | — | $4K | 2.05% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 8044 MONTGOMERY ROAD, SUITE 640 CINCINNATI, OH 452362950 | RELIASTAR LIFE INSURANCE COMPANY-STD | $10K | — | $10K | 7.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 8044 MONTGOMERY ROAD, SUITE 640 CINCINNATI, OH 452362950 | RELIASTAR LIFE INSURANCE COMPANY-STD | $3K | — | $3K | 2.14% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 8044 MONTGOMERY ROAD, SUITE 640 CINCINNATI, OH 452362950 | RELIASTAR LIFE INSURANCE COMPANY-ADD/LTD | $10K | — | $10K | 7.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 8044 MONTGOMERY ROAD, SUITE 640 CINCINNATI, OH 452362950 | RELIASTAR LIFE INSURANCE COMPANY-ADD/LTD | $3K | — | $3K | 1.98% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 8044 MONTGOMERY ROAD, SUITE 640 CINCINNATI, OH 452362950 | RELIASTAR LIFE INSURANCE COMPANY-HCI | $12K | — | $12K | 20.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 8044 MONTGOMERY ROAD, SUITE 640 CINCINNATI, OH 452362950 | RELIASTAR LIFE INSURANCE COMPANY-HCI | $3K | — | $3K | 4.33% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 8044 MONTGOMERY ROAD, SUITE 640 CINCINNATI, OH 452362950 | RELIASTAR LIFE INSURANCE COMPANY-CI | $12K | — | $12K | 20.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 8044 MONTGOMERY ROAD, SUITE 640 CINCINNATI, OH 452362950 | RELIASTAR LIFE INSURANCE COMPANY-CI | $2K | — | $2K | 4.18% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 8044 MONTGOMERY ROAD, SUITE 640 CINCINNATI, OH 452302950 | RELIASTAR LIFE INSURANCE COMPANY-ACC | $10K | — | $10K | 20.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 8044 MONTGOMERY ROAD, SUITE 640 CINCINNATI, OH 452362950 | RELIASTAR LIFE INSURANCE COMPANY-ACC | $2K | — | $2K | 4.16% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 8044 MONTGOMERY ROAD, SUITE 640 CINCINNATI, OH 45236 | NATIONAL VISION ADMINISTRATORS, LLC | $3K | $0 | $3K | 7.40% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB HEARTLAND LLC | 8044 MONTGOMERY ROAD, SUITE 640 CINCINNATI, OH 45236 | NATIONAL VISION ADMINISTRATORS, LLC | $937 | $0 | $937 | 2.60% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | COMMUNITY INSURANCE COMPANY - VISION | $0 | $0 | $0 | — |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC | 8044 MONTGOMERY ROAD, SUITE 640 CINCINNATI, OH 45236 | COMMUNITY INSURANCE COMPANY | $376 | $0 | $376 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMMUNITY INSURANCE COMPANY EIN 31-1440175 | Float revenue; Claims processing; Other services; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $632K |
| HORAN ASSOCIATES INC | Insurance agents and brokers; Insurance brokerage commissions and fees; Other commissions Service code 22 | 8044 MONTGOMERY ROAD, SUITE 640 CINCINNATI, OH 45236 | $110K |
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 | 518 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 518 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 817 | $0 |
| Dental | DELTA DENTAL OF OHIO | 856 | $338K |
| Vision(2 contracts, 2 carriers) | NATIONAL VISION ADMINISTRATORS, LLC | 804 | $36K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY-LI | 609 | $201K |
| Short-term disability(3 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY-STD | 370 | $244K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY-ADD/LTD | 609 | $137K |
| Prescription drug | COMMUNITY INSURANCE COMPANY | 817 | $0 |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY-EXRK | 817 | $421K |
| Other(5 contracts, 5 carriers) | RELIASTAR LIFE INSURANCE COMPANY-EXRK | 609 | $728K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 856 | — |
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.
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.