| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 8044 MONTGOMERY ROAD STE 640 CINCINNATI, OH 452362950 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $25K | $25K | 2.69% |
| HORAN ASSOCIATES INC.3 | 8044 MONTGOMERY ROAD STE 640 CINCINNATI, OH 452362950 | UNITEDHEALTHCARE INSURANCE COMPANY | $322 | $8K | $8K | 0.92% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN & ASSOCIATES INC | 4990 E GALBRAITH RD #102 CINCINNATI, OH 45236 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $1K | $1K | 0.13% |
| HORAN ASSOCIATES INC.3 | CHERYL MUELLER 8044 MONTGOMERY RD ST 640 CINCINNATI, OH 45236 | DELTA DENTAL OF OHIO | $4K | — | $4K | 5.49% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LIMITED | 150 N RIVERSIDE PLZ STE 1700 CHICAGO, IL 606061572 | PRINCIPAL LIFE INSURANCE COMPANY | — | $643 | $643 | 5.43% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | DBA HORAN HEALTH 8044 MONTGOMERY ROAD STE 640 CINCINNATI, OH 452362950 | PRINCIPAL LIFE INSURANCE COMPANY | $491 | — | $491 | 4.14% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB HEARTLAND LLC | 8044 MONTGOMERY ROAD CINCINNATI, OH 452362919 | PRINCIPAL LIFE INSURANCE COMPANY | $102 | — | $102 | 0.86% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | DBA HORAN HEALTH 8044 MONTGOMERY RD ST 640 CINCINNATI, OH 45236 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 28.97% |
| EDWARD D SOMMER3 | 300 W WILSON BRIDGE RD STE 300 COLUMBUS, OH 43085 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 19.71% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE COLUMBUS | DBA BENEFITMALL 12404 PARK CENTRAL DRIVE,SUITE 400S DALLAS, TX 75251 | UNITEDHEALTHCARE INSURANCE COMPANY | $254 | — | $254 | 3.05% |
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 | 111 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 112 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 82 | $924K |
| Dental | DELTA DENTAL OF OHIO | 184 | $70K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 146 | $12K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 111 | $8K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 110 | $15K |
| Other(3 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 158 | $931K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 184 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.