| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB HEARTLAND LLC | 6805 AVERY MUIRFIELD DRIVE STE 101 DUBLIN, OH 43016 | ANTHEM HEALTH PLANS OF KY, INC. | $43K | — | $43K | 2.16% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC | 8044 MONTGOMERY ROAD SUITE 640 CINCINNATI, OH 45236 | ANTHEM HEALTH PLANS OF KY, INC. | $16K | — | $16K | 0.80% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 435 WHITTINGTON PKWY SUITE 300 LOUISVILLE, KY 40222 | ANTHEM HEALTH PLANS OF KY, INC. | -$40 | $8K | $7K | 0.37% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE | SERVICES INC PO BOX 2158 RIVERSIDE, CA 92516 | ANTHEM HEALTH PLANS OF KY, INC. | — | $2K | $2K | 0.11% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB HEARTLAND LLC--MICHAEL LAKIN | 8044 MONTGOMERY RD, STE 640 CINCINNATI, OH 45236 | DELTA DENTAL OF KENTUCKY | $8K | — | $8K | 8.87% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC | LAURA BETH BOTOS 4990 E GALBRAITH RD STE 102 CINCINNATI, OH 45236 | DELTA DENTAL OF KENTUCKY | $1K | — | $1K | 1.13% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB HEARTLAND LLC | 8044 MONTGOMERY ROAD SUITE 640 CINCINNATI, OH 45236 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 5.13% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NE LIMITED | 401 BROADHOLLOW RD STE 200 MELVILLE, NY 11747 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 4.80% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | P.O. BOX 2158 RIVERSIDE, CA 92516 | STANDARD INSURANCE COMPANY | $249 | — | $249 | 0.47% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB HEARTLAND LLC | 8044 MONTGOMERY ROAD SUITE 640 CINCINNATI, OH 45236 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 5.15% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NE LIMITED | 401 BROADHOLLOW RD STE 200 MELVILLE, NY 11747 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 4.49% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | P.O. BOX 2158 RIVERSIDE, CA 92516 | STANDARD INSURANCE COMPANY | $298 | — | $298 | 0.61% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB HEARTLAND LLC | 8044 MONTGOMERY ROAD SUITE 640 CINCINNATI, OH 45236 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 9.08% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NE LIMITED | 401 BROADHOLLOW RD STE 200 MELVILLE, NY 11747 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 4.21% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | P.O. BOX 2158 RIVERSIDE, CA 92516 | STANDARD INSURANCE COMPANY | $477 | — | $477 | 1.41% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB HEARTLAND | 8044 MONTGOMERY ROAD SUITE 640 CINCINNATI, OH 45236 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $954 | — | $954 | 7.19% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | DBA HO 8044 MONTGOMERY ROAD SUITE 640 CINCINNATI, OH 45236 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $745 | — | $745 | 5.62% |
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 | 422 | 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) | 423 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KY, INC. | 443 | $2.0M |
| Dental | DELTA DENTAL OF KENTUCKY | 371 | $91K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 289 | $13K |
| Life insurance | STANDARD INSURANCE COMPANY | 281 | $53K |
| Short-term disability | STANDARD INSURANCE COMPANY | 108 | $49K |
| Long-term disability | STANDARD INSURANCE COMPANY | 69 | $34K |
| Other(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF KY, INC. | 443 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 443 | — |
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.