| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HORAN ASSOCIATES INC.3 | 8044 MONTGOMERY ROAD SUITE 640 CINCINNATI, OH 45236 | COMMUNITY INSURANCE COMPANY | $31K | $3K | $33K | 4.00% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVENUE SUITE 1500 CLEVELAND, OH 44114 | COMMUNITY INSURANCE COMPANY | — | $12K | $12K | 1.39% |
| ERC SERVICES INC3 Filed as: ERC SERVICES INC. | 3333 RICHMOND RD, STE 210 BEACHWOOD, OH 44122 | COMMUNITY INSURANCE COMPANY | $5K | — | $5K | 0.60% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SERVICE | PO BOX 2158 RIVERSIDE, CA 92516 | COMMUNITY INSURANCE COMPANY | — | $1K | $1K | 0.15% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | DBA HORAN HEALTH 8044 MONTGOMERY RD ST 640 CINCINNATI, OH 452362950 | PRINCIPAL LIFE INSURANCE COMPANY | $14K | — | $14K | 5.39% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LIMITED | 150 N RIVERSIDE PLZ STE 1700 CHICAGO, IL 606061572 | PRINCIPAL LIFE INSURANCE COMPANY | — | $8K | $8K | 2.98% |
| HORAN ASSOCIATES INC.3 | 8044 MONTGOMERY ROAD SUITE 640 CINCINNATI, OH 452362919 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | — | $7K | 2.91% |
| WATCHTOWER BENEFITS, LLC3 | 306 W ERIE ST SUITE 300 CHICAGO, IL 606544007 | PRINCIPAL LIFE INSURANCE COMPANY | — | $4K | $4K | 1.37% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MW LIMITED | 8044 MONTGOMERY ROAD STE 640 CINCINNATI, OH 45236 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 4.15% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 306 W ERIE ST SUITE 300 CHICAGO, IL 60654 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $403 | — | $403 | 1.24% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MW LIMITED | 8044 MONTGOMERY ROAD STE 640 CINCINNATI, OH 45236 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $1K | $4K | 15.00% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 306 W ERIE ST SUITE 300 CHICAGO, IL 60654 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $422 | — | $422 | 1.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MW LIMITED | 8044 MONTGOMERY ROAD STE 640 CINCINNATI, OH 45236 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $695 | $138 | $833 | 18.00% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 306 W ERIE ST SUITE 300 CHICAGO, IL 60654 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $69 | — | $69 | 1.49% |
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) | COMMUNITY INSURANCE COMPANY | 390 | $829K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 337 | $256K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 337 | $256K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 337 | $289K |
| Short-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 337 | $284K |
| Long-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 337 | $289K |
| Other(4 contracts, 3 carriers) | COMMUNITY INSURANCE COMPANY | 390 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 390 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.