| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $3K | $9K | 3.43% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATION, INC. | 8044 MONTGOMERY ROAD, SUITE 640 CINCINNATI, OH 45236 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $5K | $5K | 1.81% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $3 | $3 | 0.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $39K | $0 | $39K | 18.54% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 8044 MONTGOMERY ROAD, SUITE 640 CINCINNATI, OH 45236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $2K | $4K | 2.01% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62819 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $332 | $332 | 0.16% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 8044 MONTGOMERY ROAD, SUITE 640 CINCINNATI, OH 45236 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $519 | $0 | $519 | 1.57% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES & HORAN SECURITIES | 8044 MONTGOMERY ROAD, SUITE 640 CINCINNATI, OH 45236 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $461 | $0 | $461 | 1.39% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NORTHWEST | 601 UNION STREET, SUITE 1000 SEATTLE, WA 98101 | CONTINENTAL AMERICAN INSURANCE COMPANY | $567 | $0 | $567 | 3.30% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 8044 MONTGOMERY ROAD, SUITE 640 CINCINNATI, OH 45236 | CONTINENTAL AMERICAN INSURANCE COMPANY | $552 | $0 | $552 | 3.21% |
| VINTON ROLAND FIORINI3 | 6430 CADDIES WAY MASON, OH 45040 | CONTINENTAL AMERICAN INSURANCE COMPANY | $330 | $0 | $330 | 1.92% |
| CHAD RICHARDSON3 Filed as: CHAD JASON RICHARDSON | 9756 BERRY HILL DRIVE CINCINNATI, OH 45241 | CONTINENTAL AMERICAN INSURANCE COMPANY | $298 | $0 | $298 | 1.74% |
| NICOLE S. MCDONALD3 | 6619 MERWIN AVENUE CINCINNATI, OH 45227 | CONTINENTAL AMERICAN INSURANCE COMPANY | $269 | $0 | $269 | 1.57% |
| MATHEW D. SMITH AND OTHER AGENTS3 | 7905 TANCES DRIVE CINCINNATI, OH 45243 | CONTINENTAL AMERICAN INSURANCE COMPANY | $193 | $0 | $193 | 1.12% |
| CHRIS BIALKA3 | 11260 CHESTER ROAD CINCINNATI, OH 45246 | CONTINENTAL AMERICAN INSURANCE COMPANY | $153 | $0 | $153 | 0.89% |
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 | 436 | 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) | 436 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 753 | $249K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 567 | $33K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 436 | $213K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 436 | $213K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 436 | $213K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 436 | $230K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 753 | — |
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.