| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATION INC | 8044 MONTGOMERY ROAD SUITE 640 CINCINNATI, OH 452362919 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $13K | $21K | 4.61% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 101 S GARLAND AVE STE 203 ORLANDO, FL 328013277 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 0.62% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | DBA HO 8044 MONTGOMERY ROAD, SUITE 640 CINCINNATI, OH 45236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $3K | $7K | 3.32% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES INC | DBA THREEFLO 306 WEST ERIE ST 3RD FL CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $3K | $3K | 1.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | DBA HO 8044 MONTGOMERY ROAD, SUITE 640 CINCINNATI, OH 45236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $18K | $4K | $22K | 12.14% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES INC | DBA THREEFLO 306 WEST ERIE ST 3RD FL CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $3K | $3K | 1.50% |
| HORAN ASSOCIATES INC.3 | 8044 MONTGOMERY ROAD # 640 CINCINNATI, OH 45236 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $17K | — | $17K | 18.36% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | DBA HO 8044 MONTGOMERY ROAD, SUITE 640 CINCINNATI, OH 45236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $2K | $7K | 9.97% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES INC | DBA THREEFLO 306 WEST ERIE ST 3RD FL CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 1.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | DBA HO 8044 MONTGOMERY RD ST 640 CINCINNATI, OH 45236 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $7K | — | $7K | 10.89% |
| HORAN ASSOCIATES INC.3 | 8044 MONTGOMERY ROAD # 640 CINCINNATI, OH 45236 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $10K | — | $10K | 18.37% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | DBA HO 8044 MONTGOMERY ROAD, STE 640 CINCINNATI, OH 45236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $440 | $3K | 11.71% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES INC | DBA THREEFLO 306 WEST ERIE ST 3RD FL CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $386 | $386 | 1.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | DBA HO 8044 MONTGOMERY RD ST 640 CINCINNATI, OH 45236 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $158 | — | $158 | 12.63% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES & HORAN SECURITIES | 8044 MONTGOMERY ROAD STE 640 CINCINNATI, OH 45236 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $10 | — | $10 | 0.80% |
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 | 597 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 606 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,345 | $449K |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 848 | $61K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 597 | $181K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 597 | $220K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 597 | $71K |
| Other(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 408 | $175K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,345 | — |
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.