| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 312 ELM ST., STE. 2400 CINCINNATI, OH 45202 | MEDICAL MUTUAL/SUPERIOR DENTAL | $5K | $2K | $6K | 6.21% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES | 8044 MONTGOMERY ROAD, STE 640 CINCINNATI, OH 45236 | MEDICAL MUTUAL/SUPERIOR DENTAL | $895 | $791 | $2K | 1.66% |
| HORAN ASSOCIATES INC.3 | 8044 MONTGOMERY ROAD, STE 640 CINCINNATI, OH 45236 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 6.27% |
| PAYCOR INC3 Filed as: PAYCOR INC. | P.O. BOX 639860 CINCINNATI, OH 452639860 | STANDARD INSURANCE COMPANY | — | $3K | $3K | 3.33% |
| USI INSURANCE SERVICES LLC3 | ATTN MIDWEST P.O. BOX 62889 VIRGINIA BEACH, VA 23466 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 2.82% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | P.O. BOX 2158 RIVERSIDE, CA 92516 | STANDARD INSURANCE COMPANY | $143 | — | $143 | 0.18% |
| USI INSURANCE SERVICES LLC3 | ATTN MIDWEST P.O. BOX 62889 VIRGINIA BEACH, VA 23466 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 8.32% |
| HORAN ASSOCIATES INC.3 | 8044 MONTGOMERY RD., STE 640 CINCINNATI, OH 45236 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 7.26% |
| PAYCOR INC3 Filed as: PAYCOR INC. | P.O. BOX 639860 CINCINNATI, OH 45263 | STANDARD INSURANCE COMPANY | — | $1K | $1K | 3.29% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | P.O. BOX 2158 RIVERSIDE, CA 92516 | STANDARD INSURANCE COMPANY | $146 | — | $146 | 0.47% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | P.O. BOX 2158 RIVERSIDE, CA 92516 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 12.84% |
| HORAN ASSOCIATES INC.3 | 8044 MONTGOMERY ROAD, STE 640 CINCINNATI, OH 45236 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 7.95% |
| PAYCOR INC3 Filed as: PAYCOR INC. | P.O. BOX 639860 CINCINNATI, OH 45263 | STANDARD INSURANCE COMPANY | — | $728 | $728 | 3.50% |
| USI INSURANCE SERVICES LLC3 | ATTN MIDWEST P.O. BOX 62889 VIRGINIA BEACH, VA 23466 | STANDARD INSURANCE COMPANY | $582 | — | $582 | 2.80% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 8044 MONTGOMERY ROAD, STE. 640 CINCINNATI, OH 45236 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $434 | — | $434 | 2.64% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 NONE | Other services; Claims processing Service code 12 | — | $73K |
| USI INSURANCE SERVICES LLC EIN 13-3771734 NONE | Other commissions Service code 55 | — | $27K |
| HORAN ASSOCIATES INC EIN 31-1004837 NONE | Other commissions Service code 55 | — | $12K |
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 | 180 | 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) | 186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | MEDICAL MUTUAL/SUPERIOR DENTAL | 175 | $102K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 150 | $16K |
| Life insurance | STANDARD INSURANCE COMPANY | 214 | $78K |
| Long-term disability | STANDARD INSURANCE COMPANY | 105 | $31K |
| Stop-loss / reinsurancereinsurance | UNITED HEALTHCARE INSURANCE COMPANY | 331 | $645K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 331 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.