| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | DBA HORAN HEALTH CINCINNATI, OH 45236 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $17K | — | $17K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 203 N LASALLE ST FL 20 CHICAGO, IL 60601 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $7K | $7K | 3.80% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 1.31% |
| HORAN ASSOCIATES INC.3 | MIKAL JEFFRIES CINCINNATI, OH 45236 | DELTA DENTAL OF OHIO | $219 | — | $219 | 0.15% |
| KRISTY J FISHBACK3 | PO BOX 405 BATAVIA, OH 45103 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 3.76% |
| HORAN ASSOCIATES INC.3 | 8044 MONTGOMERY ROAD CINCINNATI, OH 45236 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 3.10% |
| THOMAS FISHBACK3 | PO BOX 405 BATAVIA, OH 45103 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 1.67% |
| BRIAN J DAY3 | 2150 ASSOCIATION DRIVE OKEMOS, MI 48864 | CONTINENTAL AMERICAN INSURANCE COMPANY | $944 | — | $944 | 0.79% |
| MATTHEW D SMITH3 | 7905 TANCES DRIVE CINCINNATI, OH 45243 | CONTINENTAL AMERICAN INSURANCE COMPANY | $742 | — | $742 | 0.62% |
| MARK E CASE3 | 6821 WELLINGTON PLACE CASTLE PINES, CO 80801 | CONTINENTAL AMERICAN INSURANCE COMPANY | $628 | — | $628 | 0.53% |
| SHANA RENEE WOLF3 | 6128 SONNY DR CINCINNATI, OH 452305258 | CONTINENTAL AMERICAN INSURANCE COMPANY | $550 | — | $550 | 0.46% |
| GENESIS & ASSOCIATES LLC3 | 838 ACKLEY ROAD CINCINNATI, OH 45255 | CONTINENTAL AMERICAN INSURANCE COMPANY | $366 | — | $366 | 0.31% |
| RONALD J ZULLO3 Filed as: RONALD J. ZULLO | 18211 BULVERDE RD SAN ANTONIO, TX 782593723 | CONTINENTAL AMERICAN INSURANCE COMPANY | $260 | — | $260 | 0.22% |
| HARE AND ASSOCIATES LLC3 Filed as: HARE AND ASSOC. LLC | 7814 CRAINDOW CT DUBLIN, OH 43017 | CONTINENTAL AMERICAN INSURANCE COMPANY | $242 | — | $242 | 0.20% |
| MITCHELL STEVEN SMITH3 | 6110 N POINT BAR LN GARDEN CITY, ID 837141380 | CONTINENTAL AMERICAN INSURANCE COMPANY | $222 | — | $222 | 0.19% |
| CHRIS BIALKA - TEXAS SOUTH3 | 11260 CHESTER RD CINCINNATI, OH 45246 | CONTINENTAL AMERICAN INSURANCE COMPANY | $221 | — | $221 | 0.19% |
| LORI ANN KNAB3 | 6430 COLERAIN AVENUE CINCINNATI, OH 45239 | CONTINENTAL AMERICAN INSURANCE COMPANY | $151 | — | $151 | 0.13% |
| SHAWN M MCDERMOTT3 | 8744 UNION CENTRE BLVD WEST CHESTER, OH 45069 | CONTINENTAL AMERICAN INSURANCE COMPANY | $93 | — | $93 | 0.08% |
| GROVE FINANCIAL LLC3 | 494 ORANGE ST PALM HARBOR, FL 34683 | CONTINENTAL AMERICAN INSURANCE COMPANY | $91 | — | $91 | 0.08% |
| J GAUDET LLC3 | 11260 CHESTER RD CINCINNATI, OH 45246 | CONTINENTAL AMERICAN INSURANCE COMPANY | $63 | — | $63 | 0.05% |
| GERALD J DAVIS3 | 4525 SAINT ANDREWS CT MIDDLETOWN, OH 450423874 | CONTINENTAL AMERICAN INSURANCE COMPANY | $60 | — | $60 | 0.05% |
| CHRIS D BOULDREY3 | 448 RIVER WOODS DR FLUSHING, MI 484332175 | CONTINENTAL AMERICAN INSURANCE COMPANY | $57 | — | $57 | 0.05% |
| INGER M PENNINGTON3 | 1369 BERKSHIRE DR MILFORD, OH 45150 | CONTINENTAL AMERICAN INSURANCE COMPANY | $57 | — | $57 | 0.05% |
| JAMES J GRETHEL3 Filed as: JAMES JACOB GRETHEL | 865 CEDAR DRIVE LOVELAND, OH 45140 | CONTINENTAL AMERICAN INSURANCE COMPANY | $30 | — | $30 | 0.03% |
| WILLIAM M HURLEY3 Filed as: WILLIAM C ROBERTS | 3749 SACHEM AVENUE CINCINNATI, OH 452261755 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21 | — | $21 | 0.02% |
| USI INSURANCE SERVICES LLC3 | 601 UNION STREET SEATTLE, WA 98101 | CONTINENTAL AMERICAN INSURANCE COMPANY | $20 | — | $20 | 0.02% |
| IAN B BRANYON3 | 2301 LUCIEN WAY MAITLAND, FL 32751 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14 | — | $14 | 0.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 203 N LASALLE ST FL 20 CHICAGO, IL 60601 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $6K | $6K | 5.22% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | DBA HORAN HEALTH CINCINNATI, OH 45236 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 2.43% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 1.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | DBA HORAN HEALTH CINCINNATI, OH 45236 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 5.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 203 N LASALLE ST FL 20 CHICAGO, IL 60601 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 3.86% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 1.50% |
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 | 592 | 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) | 592 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OHIO | 917 | $145K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 874 | $42K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 592 | $172K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 401 | $110K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 537 | $79K |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 41 | $119K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 917 | — |
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.