| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB HEARTLAND | 8044 MONTGOMERY RD STE 640 CINCINNATI, OH 45236 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $28K | — | $28K | 9.35% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 203 N LASALLE ST FL 20 CHICAGO, IL 60601 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $326 | $326 | 0.11% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB HEARTLAND | 8044 MONTGOMERY RD STE 640 CINCINNATI, OH 45236 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 2.26% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 203 N LASALLE ST FL 20 CHICAGO, IL 60601 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $216 | $216 | 0.08% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC MIKAL JEFFRIES | 8044 MONTGOMERY ROAD, STE 640 CINCINNATI, OH 45236 | DELTA DENTAL OF OHIO | — | $91K | $91K | 61.68% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB HEARTLAND | 8044 MONTGOMERY RD STE 640 CINCINNATI, OH 45236 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 4.66% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 203 N LASALLE ST FL 20 CHICAGO, IL 60601 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $148 | $148 | 0.10% |
| KRISTY J FISHBACK3 | PO BOX 405 BATAVIA, OH 45103 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | — | $8K | 11.26% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC | 8044 MONTGOMERY ROAD, SUITE 640 CINCINNATI, OH 45236 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | — | $6K | 9.46% |
| MATTHEW D SMITH3 | 7905 TANCES DR CINCINNATI, OH 45243 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 2.42% |
| SHANA RENEE WOLF3 | 6128 SONNY DR CINCINNATI, OH 452305258 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 2.09% |
| THOMAS M FISHBACK3 Filed as: THOMAS MARK FISHBACK | PO BOX 405 BATAVIA, OH 45103 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 1.97% |
| BRIAN J DAY3 | 2150 ASSOCIATION DRIVE, SUITE 250 OKEMOS, MI 48864 | CONTINENTAL AMERICAN INSURANCE COMPANY | $760 | — | $760 | 1.11% |
| MARK EDWARD CASE3 | 6821 WELLINGTON PLACE CASTLE PINES, CO 80801 | CONTINENTAL AMERICAN INSURANCE COMPANY | $570 | — | $570 | 0.83% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB HEARTLAND LLC | 8044 MONTGOMERY ROAD STE 640 CINCINNATI, OH 45236 | CONTINENTAL AMERICAN INSURANCE COMPANY | $507 | — | $507 | 0.74% |
| GENESIS & ASSOCIATES LLC3 | 838 ACKLEY RD CINCINNATI, OH 45255 | CONTINENTAL AMERICAN INSURANCE COMPANY | $471 | — | $471 | 0.69% |
| MICHAEL D AISSEN3 | 3642 HOWELL WOOD TRL DULUTH, GA 300964803 | CONTINENTAL AMERICAN INSURANCE COMPANY | $468 | — | $468 | 0.68% |
| GROVE FINANCIAL LLC3 Filed as: GROVE FINANCIAL | 494 ORANGE ST PALM HARBOR, FL 34683 | CONTINENTAL AMERICAN INSURANCE COMPANY | $292 | — | $292 | 0.43% |
| RONALD J ZULLO3 | 18211 BULVERDE RD APT 20202 SAN ANTONIO, TX 782593723 | CONTINENTAL AMERICAN INSURANCE COMPANY | $291 | — | $291 | 0.42% |
| CHRIS D BOULDREY3 | 448 RIVER WOODS DR FLUSHING, MI 484332175 | CONTINENTAL AMERICAN INSURANCE COMPANY | $233 | — | $233 | 0.34% |
| HARE AND ASSOCIATES LLC3 Filed as: HARE AND ASSOC LLC | 7814 CRAINDOW CT DUBLIN, OH 43017 | CONTINENTAL AMERICAN INSURANCE COMPANY | $223 | — | $223 | 0.32% |
| MITCHELL STEVEN SMITH3 | 6110 NORTH POINT BAR LN GARDEN CITY, ID 837141380 | CONTINENTAL AMERICAN INSURANCE COMPANY | $172 | — | $172 | 0.25% |
| USI INSURANCE SERVICES LLC3 | 601 UNION STREET, SUITE 1000 SEARRLE, WA 98101 | CONTINENTAL AMERICAN INSURANCE COMPANY | $170 | — | $170 | 0.25% |
| CHRIS BIALKA3 Filed as: CHRIS BIALKA - TEXAS SOUTH | 11260 CHESTER RD CINCINNATI, OH 45246 | CONTINENTAL AMERICAN INSURANCE COMPANY | $169 | — | $169 | 0.25% |
| LORI ANN KNAB3 Filed as: LORI ANN KNABB | 6430 COLERAIN AVENUE CINCINNATI, OH 45239 | CONTINENTAL AMERICAN INSURANCE COMPANY | $133 | — | $133 | 0.19% |
| SHAWN MARTIN MCDERMOTT3 | 8744 UNION CENTRE BLVD WEST CHESTER, OH 45069 | CONTINENTAL AMERICAN INSURANCE COMPANY | $79 | — | $79 | 0.12% |
| J GAUDET LLC3 Filed as: J. GAUDET LLC | 11260 CHESTER RD STE 500 CINCINNATI, OH 45246 | CONTINENTAL AMERICAN INSURANCE COMPANY | $63 | — | $63 | 0.09% |
| INGER M PENNINGTON3 | 1369 BERKSHIRE DR MILFORD, OH 45150 | CONTINENTAL AMERICAN INSURANCE COMPANY | $57 | — | $57 | 0.08% |
| IAN B BRANYON3 Filed as: IAN BYRD BRANYON | 2301 LUCIEN WAY, SUITE 150 MAITLAND, FL 32751 | CONTINENTAL AMERICAN INSURANCE COMPANY | $33 | — | $33 | 0.05% |
| JAMES J GRETHEL3 Filed as: JAMES JACOB GRETHEL | 865 CEDAR DR LOVELAND, OH 45140 | CONTINENTAL AMERICAN INSURANCE COMPANY | $30 | — | $30 | 0.04% |
| GERALD J DAVIS3 | 4525 SAINT ANDREWS CT MIDDLETOWN, OH 450423874 | CONTINENTAL AMERICAN INSURANCE COMPANY | $20 | — | $20 | 0.03% |
| WILLIAM M HURLEY3 Filed as: WILLIAM H C ROBERTS | 3749 SACHEM DRIVE CINCINNATI, OH 452261755 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17 | — | $17 | 0.02% |
| THOMAS M FISHBACK3 Filed as: THOMAS MARK FISHBACK | 1095 BILLINGSLEY DRIVE BATAVIA, OH 45150 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16 | — | $16 | 0.02% |
| THREEFLOW3 | 306 W. ERIE STREET, SUITE #300 CHICAGO, IL 60654 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $351 | — | $351 | 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 | 569 | 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) | 569 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OHIO | 946 | $147K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 874 | $38K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 569 | $303K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 569 | $254K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 569 | $143K |
| Other(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 569 | $372K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 946 | — |
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.