| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HORAN ASSOCIATES INC.3 | 4990 EAST GALBRAITH ROAD SUITE 102 CINCINNATI, OH 45236 | AMERICAN UNITED LIFE INSURANCE COMPANY | $7K | — | $7K | 8.39% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB HEARTLAND, LLC | 8044 MONTGOMERY ROAD SUITE 640 CINCINNATTI, OH 45236 | AMERICAN UNITED LIFE INSURANCE COMPANY | $1K | — | $1K | 1.61% |
| WATCHTOWER BENEFITS, LLC3 | 227 WEST MONROE STREET SUITE 300 CHICAGO, IL 60654 | AMERICAN UNITED LIFE INSURANCE COMPANY | — | $1K | $1K | 1.50% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 8044 MONTGOMERY ROAD SUITE 640 CINCINNATI, OH 45236 | DELTA DENTAL OF OHIO | $3K | — | $3K | 7.77% |
| JASON ROSS RUBINSTEIN3 | 2076 BENTWOOD CIRCLE APT 2B COLUMBUS, OH 43235 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $105 | $3K | 11.36% |
| LUKE MURRAY3 | 8793 OAK VILLAGE BOULEVARD LEWIS CENTER, OH 43035 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $508 | $35 | $543 | 1.98% |
| HOWARD MESZAROS3 | 8680 COLVIN DRIVE PLAIN CITY, OH 43064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $400 | — | $400 | 1.46% |
| JAMES D SAMS3 Filed as: JAMES D. SAMS | 239 FENWAY ROAD COLUMBUS, OH 43214 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $195 | — | $195 | 0.71% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 8044 MONTGOMERY ROAD SUITE 640 CINCINNATI, OH 45236 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $478 | — | $478 | 10.02% |
| THREEFLOW3 | 306 WEST ERIE STREET SUITE 300 CHICAGO, IL 60654 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $60 | — | $60 | 1.26% |
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 | 225 | 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) | 225 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OHIO | 113 | $35K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 102 | $5K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 225 | $110K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 225 | $82K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 225 | $82K |
| Other(3 contracts, 3 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 225 | $113K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 225 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.