| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HORAN ASSOCIATES INC.3 | 8044 MONTGOMERY ROAD SUITE 640 CINCINNATI, OH 45236 | COMMUNITY INSURANCE COMPANY | $35K | $2K | $37K | 1.89% |
| HORAN ASSOCIATES INC.3 | 8044 MONTGOMERY ROAD SUITE 640 CINCINNATI, OH 45236 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | $7K | — | $7K | 9.40% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 8044 MONTGOMERY ROAD SUITE 640 CINCINNATI, OH 45236 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | $4K | — | $4K | 5.06% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 306 W ERIE ST SUITE 300 CHICAGO, IL 60654 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.44% |
| HORAN ASSOCIATES INC.3 | 8044 MONTGOMERY ROAD SUITE 640 CINCINNATI, OH 45236 | AETNA | $427 | — | $427 | 5.04% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 8044 MONTGOMERY ROAD SUITE 640 CINCINNATI, OH 45236 | AETNA | $261 | — | $261 | 3.08% |
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 | 143 | 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) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 226 | $2.0M |
| Dental(2 contracts, 2 carriers) | COMMUNITY INSURANCE COMPANY | 169 | $65K |
| Vision | COMMUNITY INSURANCE COMPANY | 180 | $15K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | 143 | $75K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | 143 | $75K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | 143 | $75K |
| Other | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | 143 | $75K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 226 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.