| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD. | 655 FOX FUN ROAD, SUITE A FINDLAY, OH 45840 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $3K | $8K | 7.55% |
| NANCY DUNCAN3 | 10070 SQUIRE DRIVE FORENCE, KY 41042 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 3.21% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LIMITED MIDWEST | 655 FOX RUN ROAD, SUITE A FINDLAY, OH 45840 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 2.03% |
| RUEANN M EMERSON3 Filed as: RUEANN EMERSON AND OTHER AGENTS | 225 SOMERSLY PLACE LEXINGTON, KY 40515 | CONTINENTAL AMERICAN INSURANCE COMPANY | $898 | $0 | $898 | 1.72% |
| MARK C LAMAR3 Filed as: MARK C. LAMAR | 1006 APPLE BLOSSOM DRIVE FLORENCE, KY 41042 | CONTINENTAL AMERICAN INSURANCE COMPANY | $887 | $0 | $887 | 1.70% |
| HUNTINGTON INSURANCE INC3 | 121 NORTH MARKET STREET, SUITE 600 WOOSTER, OH 44691 | CONTINENTAL AMERICAN INSURANCE COMPANY | $697 | $0 | $697 | 1.34% |
| LAURA BETH KELLER3 Filed as: LAURA B. KELLER | 2220 EXECUTIVE DRIVE, SUITE 204 LEXINGTON, KY 40505 | CONTINENTAL AMERICAN INSURANCE COMPANY | $377 | $0 | $377 | 0.72% |
| JOSHUA C BURTON3 Filed as: JOSHUA BURTON | 4805 LAKEBROOK DRIVE, SUITE 220 GLEN ALLEN, VA 23060 | CONTINENTAL AMERICAN INSURANCE COMPANY | $249 | $0 | $249 | 0.48% |
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 | 179 | 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) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 162 | $102K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 162 | $102K |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 142 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 162 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.