| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 8044 MONTGOMERY ROAD SUITE 640 CINCINNATI, OH 45236 | LIFE INSURANCE CO. OF NORTH AMERICA | $8K | $1K | $9K | 4.46% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES LLC | 40 WEST BROAD STREET SUITE 301 GREENVILLE, SC 29601 | LIFE INSURANCE CO. OF NORTH AMERICA | — | $2K | $2K | 0.88% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 8044 MONTGOMERY ROAD SUITE 640 CINCINNATI, OH 45236 | LIFE INSURANCE CO. OF NORTH AMERICA | $17K | $2K | $19K | 10.94% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES LLC | 40 WEST BROAD STREET SUITE 301 GREENVILLE, SC 29601 | LIFE INSURANCE CO. OF NORTH AMERICA | — | $2K | $2K | 0.91% |
| HORAN ASSOCIATES INC.3 | 8044 MONTGOMERY ROAD SUITE 640 CINCINNATI, OH 45236 | DELTA DENTAL OF OHIO | — | $452 | $452 | 0.30% |
| KRISTY J FISHBACK3 | 1103 GLEN ECHO LN MILFORD, OH 45105 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 3.21% |
| HORAN ASSOCIATES INC.3 | 8044 MONTGOMERY ROAD STE 640 CINCINNATI, OH 45236 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 2.50% |
| THOMAS FISHBACK3 | 1103 GLEN ECHO LN MILFORD, OH 45105 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 1.63% |
| BRIAN J DAY3 | 13189 HITCHING POST DEWITT, MI 48820 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.79% |
| MARK E CASE3 | 6821 WELLINGTON PLACE CASTLE PINES, CO 80108 | CONTINENTAL AMERICAN INSURANCE COMPANY | $726 | — | $726 | 0.50% |
| GENESIS & ASSOCIATES LLC3 | 838 ACKLEY ROAD CINCINNATI, OH 45255 | CONTINENTAL AMERICAN INSURANCE COMPANY | $549 | — | $549 | 0.38% |
| GERALD J DAVIS3 | 4525 SAINT ANDREWS CT MIDDLETOWN, OH 45042 | CONTINENTAL AMERICAN INSURANCE COMPANY | $480 | — | $480 | 0.33% |
| RONALD J ZULLO3 Filed as: RONALD J. ZULLO | 6700 TOWERING RIDGE WAY APT 144 CINCINNATI, OH 45247 | CONTINENTAL AMERICAN INSURANCE COMPANY | $465 | — | $465 | 0.32% |
| MATTHEW D SMITH3 | 7905 TANCES DRIVE CINCINNATI, OH 45243 | CONTINENTAL AMERICAN INSURANCE COMPANY | $465 | — | $465 | 0.32% |
| HARE AND ASSOCIATES LLC3 Filed as: HARE AND ASSOC. LLC | 7814 CRAINDOW CT DUBLIN, OH 43017 | CONTINENTAL AMERICAN INSURANCE COMPANY | $304 | — | $304 | 0.21% |
| MITCHELL S SMITH3 | 5725 CHAPEL HEIGHTS LANE CINCINNATI, OH 45247 | CONTINENTAL AMERICAN INSURANCE COMPANY | $247 | — | $247 | 0.17% |
| CHRIS BIALKA3 | 11260 CHESTER RD CINCINNATI, OH 45246 | CONTINENTAL AMERICAN INSURANCE COMPANY | $241 | — | $241 | 0.17% |
| LORI ANN KNAB3 Filed as: LORI ANN KNABB | 6430 COLERAIN AVENUE CINCINNATI, OH 45239 | CONTINENTAL AMERICAN INSURANCE COMPANY | $162 | — | $162 | 0.11% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | CONTINENTAL AMERICAN INSURANCE COMPANY | $151 | — | $151 | 0.10% |
| SHAWN M MCDERMOTT3 | 8744 UNION CENTRE BLVD WEST CHESTER, OH 45069 | CONTINENTAL AMERICAN INSURANCE COMPANY | $109 | — | $109 | 0.08% |
| GROVE FINANCIAL LLC3 | 494 ORANGE COURT PALM HARBOR, FL 34683 | CONTINENTAL AMERICAN INSURANCE COMPANY | $103 | — | $103 | 0.07% |
| CHRIS D BOULDREY3 | 448 RIVER WOODS DR FLUSHING, MI 48433 | CONTINENTAL AMERICAN INSURANCE COMPANY | $72 | — | $72 | 0.05% |
| INGER M PENNINGTON3 | 1369 BERKSHIRE DR MILFORD, OH 45150 | CONTINENTAL AMERICAN INSURANCE COMPANY | $72 | — | $72 | 0.05% |
| J GAUDET LLC3 | 11260 CHESTER RD STE 500 CINCINNATI, OH 45246 | CONTINENTAL AMERICAN INSURANCE COMPANY | $72 | — | $72 | 0.05% |
| JAMES J GRETHEL3 | 865 CEDAR DRIVE LOVELAND, CO 45140 | CONTINENTAL AMERICAN INSURANCE COMPANY | $30 | — | $30 | 0.02% |
| WILLIAM M HURLEY3 Filed as: WILLIAM C ROBERTS | 3749 SACHEM AVENUE CINCINNATI, OH 45226 | CONTINENTAL AMERICAN INSURANCE COMPANY | $23 | — | $23 | 0.02% |
| IAN B BRANYON3 | 2301 LUCIEN WAY SUITE 150 MAITLAND, FL 32751 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16 | — | $16 | 0.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 8044 MONTGOMERY ROAD SUITE 640 CINCINNATI, OH 45236 | LIFE INSURANCE CO. OF NORTH AMERICA | $8K | $941 | $9K | 8.97% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES LLC | 40 WEST BROAD STREET STE 301 GREENVILLE, SC 29601 | LIFE INSURANCE CO. OF NORTH AMERICA | — | $862 | $862 | 0.84% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 8044 MONTGOMERY ROAD SUITE 640 CINCINNATI, OH 45236 | LIFE INSURANCE CO. OF NORTH AMERICA | $2K | $202 | $2K | 11.14% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES LLC | 40 WEST BROAD STREET SUITE 301 GREENVILLE, SC 29601 | LIFE INSURANCE CO. OF NORTH AMERICA | — | $161 | $161 | 0.91% |
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 | 576 | 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) | 576 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OHIO | 938 | $150K |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 855 | $41K |
| Life insurance | LIFE INSURANCE CO. OF NORTH AMERICA | 791 | $174K |
| Short-term disability | LIFE INSURANCE CO. OF NORTH AMERICA | 525 | $193K |
| Long-term disability | LIFE INSURANCE CO. OF NORTH AMERICA | 521 | $102K |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE CO. OF NORTH AMERICA | 791 | $336K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 938 | — |
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.