| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 8044 MONTGOMERY RD STE 640 CINCINNATI, OH 45236 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $4K | $14K | 16.95% |
| WATCHTOWER BENEFITS, LLC3 | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 1.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 8044 MONTGOMERY RD STE 640 CINCINNATI, OH 45236 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $4K | $13K | 17.28% |
| WATCHTOWER BENEFITS, LLC3 | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 1.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 8044 MONTGOMERY RD STE 640 CINCINNATI, OH 45236 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $6K | 16.92% |
| WATCHTOWER BENEFITS, LLC3 | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $523 | $523 | 1.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB HEARTLAND, LLC | 8044 MONTGOMERY RD SUITE 640 CINCINNATI, OH 45227 | GUARDIAN | $4K | $2K | $5K | 17.12% |
| CODER DANIEL W3 | 24670 BUCKLAND HOLDEN RD WAYNESFIELD, OH 45896 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $896 | — | $896 | 3.44% |
| SUPERIOR FINL SOLUTIONS LLC3 | 4230 ELIDA ROAD LIMA, OH 45807 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $896 | — | $896 | 3.44% |
| STRATEGIC BENEFITS OF CINCINNATI3 Filed as: STRATEGIC BENEFITS OF CINCINNATI IN | 424 WARDS CORNER RD STE 120 LOVELAND, OH 45140 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12 | — | $12 | 0.05% |
| HOFFMAN KATHRYN E3 | 755 DORGENE LN CINCINNATI, OH 45244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11 | — | $11 | 0.04% |
| KATIE MIRACLE AGENCY3 | KATIE MIRACLE SOLE MBR 733 WINDFIELD DR LOVELAND, OH 45140 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5 | — | $5 | 0.02% |
| LAYNE FINANCIAL INC3 | 3009 WILMINGTON RD SUITE 100 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5 | — | $5 | 0.02% |
| HUFHAND MARK L3 | 1664 N MAIN ST SUITE 7 NORTH CANTON, OH 44720 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 8044 MONTGOMERY RD STE 640 CINCINNATI, OH 45236 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $773 | $3K | 16.80% |
| WATCHTOWER BENEFITS, LLC3 | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $118 | $118 | 0.73% |
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 | 312 | 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) | 313 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | GUARDIAN | 205 | $29K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 313 | $92K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 312 | $83K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 300 | $35K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 313 | $118K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 313 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.