| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB HEARTLAND LLC | 8044 MONTGOMERY RD CINCINNATI, OH 45236 | MEDICAL MUTUAL OF OHIO | $50K | $32K | $82K | 2.60% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES | 8044 MONTGOMERY RD SUITE 640 CINCINNATI, OH 45236 | MEDICAL MUTUAL OF OHIO | $4K | $2K | $7K | 0.22% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB HEARTLAND LLC | 8044 MONTGOMERY RD STE 640 CINCINNATI, OH 45236 | RELIASTAR LIFE INSURANCE COMPANY | $20K | — | $20K | 4.74% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SERVICE | 600 CORPORATE POINTE FI 6 CULVER CITY, CA 90230 | RELIASTAR LIFE INSURANCE COMPANY | $20K | — | $20K | 4.72% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB HEARTLAND LLC | 8044 MONTGOMERY RD STE 640 CINCINNATI, OH 452362950 | AMERITAS LIFE INSURANCE CORP. | $3K | — | $3K | 1.52% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 8044 MONTGOMERY RD STE 640 CINCINNATI, OH 452362950 | AMERITAS LIFE INSURANCE CORP. | $3K | — | $3K | 1.48% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB HEARTLAND, LLC | STE 640 8044 MONTGOMERY RD CINCINNATI, OH 45236 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $23K | — | $23K | 14.75% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | EMPLOYEE BENEFITS DEPT 55 E JACKSON BLVD #14A CHICAGO, IL 60604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4 | — | $4 | 0.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB HEARTLAND | 8044 MONTGOMERY ROAD SUITE 640 CINCINNATI, OH 45236 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 6.94% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | DBA HO 8044 MONTGOMERY RD ST 640 CINCINNATI, OH 45236 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $644 | — | $644 | 2.27% |
| THREEFLOW3 | 306 W ERIE ST STE 300 CHICAGO, IL 60654 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $299 | — | $299 | 1.05% |
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 | 370 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 376 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL OF OHIO | 238 | $3.1M |
| Dental | AMERITAS LIFE INSURANCE CORP. | 530 | $191K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 441 | $28K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 470 | $418K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 470 | $418K |
| Prescription drug | MEDICAL MUTUAL OF OHIO | 238 | $3.1M |
| Other(3 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 470 | $579K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 530 | — |
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.