| 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 | $29K | $15K | $44K | 2.03% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES | 8044 MONTGOMERY RD SUITE 640 CINCINNATI, OH 45236 | MEDICAL MUTUAL OF OHIO | $14K | $7K | $21K | 0.98% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB HEARTLAND | 8044 MONTGOMERY CINCINNATI, OH 45236 | SUPERIOR DENTAL CARE INC | $5K | $1 | $5K | 4.12% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES | 8044 MONTGOMERY SUITE 640 CINCINNATI, OH 45236 | SUPERIOR DENTAL CARE INC | $3K | $1K | $4K | 3.56% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB HEARTLAND LLC | 8044 MONTGOMERY ROAD CINCINNATI, OH 45236 | MEDMUTUAL LIFE | $938 | $391 | $1K | 14.93% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES | 8044 MONTGOMERY ROAD CINCINNATI, OH 45236 | MEDMUTUAL LIFE | $441 | $184 | $625 | 22.71% |
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 | 170 | 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) | 170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL OF OHIO | 183 | $2.2M |
| Dental | SUPERIOR DENTAL CARE INC | 188 | $111K |
| Vision | MEDICAL MUTUAL OF OHIO | 183 | $2.2M |
| Life insurance(2 contracts) | MEDMUTUAL LIFE | 170 | $12K |
| Prescription drug | MEDICAL MUTUAL OF OHIO | 183 | $2.2M |
| Other(2 contracts) | MEDMUTUAL LIFE | 170 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 188 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.