| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB HEARTLAND LLC | — | AMERICAN UNITED LIFE INSURANCE COMPANY | $8K | $5K | $13K | 16.57% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BEN RSRCH | — | AMERICAN UNITED LIFE INSURANCE COMPANY | — | $4K | $4K | 4.58% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES | — | AMERICAN UNITED LIFE INSURANCE COMPANY | — | $100 | $100 | 0.12% |
| AMERICAN UNITED LIFE3 | — | AMERICAN UNITED LIFE INSURANCE COMPANY | — | $1 | $1 | 0.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB HEARTLAND LLC--STEPHEN ASHE | 8044 MONTGOMERY ROAD STE 640 CINCINNATI, OH 45236 | DELTA DENTAL OF OHIO | $2K | — | $2K | 4.21% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC--STEPHEN ASHE | 8044 MONTGOMERY ROAD STE 640 CINCINNATI, OH 45236 | DELTA DENTAL OF OHIO | $929 | $55 | $984 | 2.16% |
| JASON ROSS RUBINSTEIN3 | 2076 BENTWOOD CIR APT 2B COLUMBUS, OH 43235 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 7.68% |
| LUKE MURRAY3 | 8793 OAK VILLAGE BLVD LEWIS CENTER, OH 43035 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $428 | — | $428 | 1.26% |
| HOWARD MESZAROS3 | 8680 COLVIN DR PLAIN CITY, OH 43064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $348 | — | $348 | 1.02% |
| JAMES D SAMS3 | 239 FENWAY RD COLUMBUS, OH 43214 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $127 | — | $127 | 0.37% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB HEARTLAND | 8044 MONTGOMERY ROAD SUITE 640 CINCINNATI, OH 45236 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $436 | — | $436 | 6.81% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | DBA HO 8044 MONTGOMERY ROAD SUITE 640 CINCINNATI, OH 45236 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $191 | — | $191 | 2.98% |
| THREEFLOW3 | 306 W. ERIE STREET, SUITE #300 CHICAGO, IL 60654 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $85 | — | $85 | 1.33% |
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 | 243 | 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) | 243 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OHIO | 126 | $46K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 120 | $6K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 266 | $80K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 266 | $80K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 266 | $80K |
| Other(3 contracts, 3 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 266 | $118K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 266 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.