| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC. | PO BOX 95287 CHICAGO, IL 60694 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $20K | $20K | 0.94% |
| HORAN ASSOCIATES INC.3 | 8044 MONTGOMERY ROAD #640 CINCINNATI, OH 45236 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $19K | $19K | 0.88% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 8044 MONTGOMERY ROAD CINCINNATI, OH 45236 | DELTA DENTAL OF OHIO | $4K | — | $4K | 2.55% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2850 GOLF RD ROLLING MEADOWS, IL 60008 | DELTA DENTAL OF OHIO | $3K | — | $3K | 2.21% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 3510 N CAUSEWAY BLVD, SUITE 200 METAIRIE, LA 70002 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $5K | $5K | 3.95% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB HEARTLAND, LLC | 8044 MONTGOMERY ROAD CINCINNATI, OH 45236 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 2.06% |
| ALTMAN INSURANCE SERVICES3 | 1246 SOUTH THIRD STREET LOUISVILLE, KY 40203 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 1.99% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 2734 N MILDRED AVE CHICAGO, IL 60618 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $1K | $1K | 0.80% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB HEARTLAND, LLC | 8044 MONTGOMERY ROAD CINCINNATI, OH 45236 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 4.51% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 3510 N CAUSEWAY BLVD, SUITE 200 METAIRIE, LA 70002 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $3K | $3K | 4.34% |
| ALTMAN INSURANCE SERVICES3 | 1246 SOUTH THIRD STREET LOUISVILLE, KY 40203 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 4.30% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 3510 N CAUSEWAY BLVD, SUITE 200 METAIRIE, LA 70002 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $1K | $1K | 4.12% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB HEARTLAND, LLC | 8044 MONTGOMERY ROAD CINCINNATI, OH 45236 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 3.54% |
| ALTMAN INSURANCE SERVICES3 | 1246 SOUTH THIRD STREET LOUISVILLE, KY 40203 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 3.53% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 2734 N MILDRED AVE CHICAGO, IL 60618 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $252 | $252 | 0.76% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 8044 MONTGOMERY ROAD CINCINNATI, OH 45236 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 5.53% |
| THREEFLOW3 | 306 WEST ERIE ST CHICAGO, IL 60654 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $259 | — | $259 | 1.23% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB HEARTLAND, LLC | 8044 MONTGOMERY ROAD CINCINNATI, OH 45236 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 10.43% |
| ALTMAN INSURANCE SERVICES3 | 1246 SOUTH THIRD STREET LOUISVILLE, KY 40203 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 9.58% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 3510 N CAUSEWAY BLVD, SUITE 200 METAIRIE, LA 70002 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $794 | $794 | 5.15% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 2734 N MILDRED AVE CHICAGO, IL 60618 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $121 | $121 | 0.79% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB HEARTLAND, LLC | 8044 MONTGOMERY ROAD CINCINNATI, OH 45236 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 10.73% |
| ALTMAN INSURANCE SERVICES3 | 1246 SOUTH THIRD STREET LOUISVILLE, KY 40203 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 9.27% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 3510 N CAUSEWAY BLVD, SUITE 200 METAIRIE, LA 70002 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $689 | $689 | 5.56% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB HEARTLAND, LLC | 8044 MONTGOMERY ROAD CINCINNATI, OH 45236 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 10.54% |
| ALTMAN INSURANCE SERVICES3 | 1246 SOUTH THIRD STREET LOUISVILLE, KY 40203 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 9.46% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 3510 N CAUSEWAY BLVD, SUITE 200 METAIRIE, LA 70002 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $523 | $523 | 4.46% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 2734 N MILDRED AVE CHICAGO, IL 60618 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $91 | $91 | 0.78% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB HEARTLAND, LLC | 8044 MONTGOMERY ROAD CINCINNATI, OH 45236 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $113 | — | $113 | 7.84% |
| ALTMAN INSURANCE SERVICES3 | 1246 SOUTH THIRD STREET LOUISVILLE, KY 40203 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $103 | — | $103 | 7.15% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 3510 N CAUSEWAY BLVD, SUITE 200 METAIRIE, LA 70002 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $68 | $68 | 4.72% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 2734 N MILDRED AVE CHICAGO, IL 60618 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $11 | $11 | 0.76% |
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 | 220 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 221 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 188 | $2.2M |
| Dental | DELTA DENTAL OF OHIO | 191 | $151K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 255 | $21K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 119 | $33K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 220 | $134K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 220 | $65K |
| Other(5 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 119 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 255 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.