| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 203 NORTH LA SALLE ST CHICAGO, IL 60601 | MEDICAL MUTUAL OF OHIO | $92K | $307 | $92K | 2.53% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1591 GALBRAITH AVE SE GRAND RAPIDS, MI 49546 | DELTA DENTAL OF OHIO | $2K | — | $2K | 1.72% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E. JACKSON BLVD CHICAGO, IL 60604 | DELTA DENTAL OF OHIO | $768 | — | $768 | 0.53% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 203 N LASALLE ST FL 20 CHICAGO, IL 60601 | DELTA DENTAL OF OHIO | $689 | — | $689 | 0.48% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 203 N LASALLE ST FL 20 CHICAGO, IL 60601 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $7K | $11K | 10.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 203 N LASALLE ST FL 20 CHICAGO, IL 60601 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14K | $7K | $21K | 22.04% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 203 N LASALLE ST FL 20 CHICAGO, IL 60601 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $5K | $13K | 20.08% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 203 N LASALLE ST FL 20 CHICAGO, IL 60601 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $1K | $4K | 12.54% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 203 N LASALLE ST FL 20 CHICAGO, IL 60601 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $1K | $3K | 17.21% |
| DIGITAL INSURANCE LLC3 | 3912 SUNFOREST CT TOLEDO, OH 43623 | AFLAC | $319 | — | $319 | 7.02% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 1645 INDIAN WOOD CIRCLE SUITE 203 MAUMEE, OH 43537 | AFLAC | $129 | — | $129 | 2.84% |
| RUBLE & ASSOCIATES LLC3 | 3769 PROSPECT ROAD NEW LONDON, OH 44851 | AFLAC | $56 | — | $56 | 1.23% |
| CHAD L NELSON3 Filed as: CHAD POLLOCK | 6506 ANTHONY DRIVE MAUMEE, OH 43537 | AFLAC | $19 | — | $19 | 0.42% |
| ELIZABETH J. TEPPER3 Filed as: ELIZABETH TEPPER | 2223 N JEFFERSON BLVD LORAIN, OH 44052 | AFLAC | $16 | — | $16 | 0.35% |
| KRISTOPHER RUBLE3 | 3769 PROSPECT ROAD NEW LONDON, OH 44851 | AFLAC | $15 | — | $15 | 0.33% |
| CHADUM J OCHS3 Filed as: CHADUM OCHS | 323 JACKSON STREET FREMONT, OH 43420 | AFLAC | $14 | — | $14 | 0.31% |
| GAYLORD I KAUFFMAN3 Filed as: GAYLORD KAUFFMAN | 315 GREEN RIDGE ROAD SUITE H 1 NEW CASTLE, PA 16105 | AFLAC | $13 | — | $13 | 0.29% |
| AMY HILT3 | 1535 COUNTY ROAD 14 GIBSONBURG, OH 43431 | AFLAC | $7 | — | $7 | 0.15% |
| JAMES LOCKWOOD3 | 134 WEST SOUTH BOUNDARY STREET SUITE A PERRYSBURG, OH 43551 | AFLAC | $7 | — | $7 | 0.15% |
| THOMAS WESLEY3 | 837 MOSS CANYON DRIVE AMHERST, OH 44001 | AFLAC | $5 | — | $5 | 0.11% |
| LANCE S MEINERS3 Filed as: LANCE MEINERS | 557 LONG CV AVON LAKE, OH 44012 | AFLAC | $5 | — | $5 | 0.11% |
| AARON ANSPACH LLC3 Filed as: AARON ANSPACH | 21397 LEHMAN ROAD DELPHOS, OH 45833 | AFLAC | $4 | — | $4 | 0.09% |
| THOMAS J HOUSER3 Filed as: THOMAS HOUSER | 25144 ROCKY HARBOUR DRIVE PERRYSBURG, OH 43551 | AFLAC | $4 | — | $4 | 0.09% |
| MELISSA R TRENTMAN3 Filed as: MELISSA TRENTMAN | 9472 STATE ROUTE 66 DELPHOS, OH 45833 | AFLAC | $4 | — | $4 | 0.09% |
| TJH CONSULTANTS LLC3 | 25144 ROCKY HARBOUR DR PERRYSBURG, OH 43551 | AFLAC | $4 | — | $4 | 0.09% |
| KEVIN WRONA3 | 9740 CEDARWOOD DRIVE NORTH ROYALTON, OH 44133 | AFLAC | $4 | — | $4 | 0.09% |
| ANTHONY JOSEPH MOTTER3 Filed as: ANTHONY MOTTER | 134 WEST SOUTH BOUNDARY STREET SUITE A PERRYSBURG, OH 43551 | AFLAC | $3 | — | $3 | 0.07% |
| MARK L HUFHAND3 Filed as: MARK HUFHAND | 925 SOUTH MAIN STREET SUITE B NORTH CANTON, OH 44720 | AFLAC | $3 | — | $3 | 0.07% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL | 3009 WILMINGTON ROAD SUITE 100 NEW CASTLE, PA 16105 | AFLAC | $3 | — | $3 | 0.07% |
| ERIC WHITTINGTON3 | 2025 COURTNEY CIRCLE CANAL FULTON, OH 44614 | AFLAC | $2 | — | $2 | 0.04% |
| DAVID N MULLINS JR3 Filed as: DAVID MULLINS JR | 7840 LINWOOD ROAD BOWLING GREEN, OH 43402 | AFLAC | $2 | — | $2 | 0.04% |
| MAKOWSKI INS AGCY INC3 Filed as: MAKOWSKI INSURANCE AGENCY INC | 9404 WOODCHIP LANE BROADVIEW HEIGHTS, OH 44147 | AFLAC | $2 | — | $2 | 0.04% |
| TODD SCOTT3 | 1648 PLYMOUTH KNOLL AVENUE NW MASSILLON, OH 44646 | AFLAC | $2 | — | $2 | 0.04% |
| DAVID J MCCLELLAN3 Filed as: DAVID AESOPH | 2700 WEST NICOLE DRIVE SIOUX FALLS, SD 57105 | AFLAC | $2 | — | $2 | 0.04% |
| MARC J HAIRE3 | 9885 GREENHAVEN PARKWAY BRECKSVILLE, OH 44141 | AFLAC | $1 | — | $1 | 0.02% |
| ROBERTA DICKINSON3 | PO BOX 360559 STRONGSVILLE, OH 44136 | AFLAC | $1 | — | $1 | 0.02% |
| WILLIAM CASSIDY WAGNER3 Filed as: WILLIAM WAGNER | 2422 LUCILLE STREET WINSTON SALEM, NC 27127 | AFLAC | $1 | — | $1 | 0.02% |
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 | 537 | 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) | 537 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL OF OHIO | 384 | $3.6M |
| Dental | DELTA DENTAL OF OHIO | 727 | $144K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 393 | $33K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 537 | $112K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 275 | $104K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 193 | $65K |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 537 | $117K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 727 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.