| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATION INC | 8044 MONTGOMERY ROAD SUITE 640 CINCINNATI, OH 452362919 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $6K | $19K | 4.27% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC D/B/A THREE | 306 WEST ERIE ST STE 300 CHICAGO, IL 606543902 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 1.59% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB HEARTLAND LLC | 8044 MONTGOMERY ROAD STE 640 CINCINNATI, OH 452362919 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 1.37% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB HEARTLAND LLC | 8044 MONTGOMERY RD. STE 640 CINCINNATI, OH 45236 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $44K | — | $44K | 15.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N CAUSEWAY BLVD SUITE 200 METAIRIE, LA 70002 | RELIANCESTANDARD LIFE INSURANCE COMPANY | — | $19K | $19K | 6.41% |
| OPTAVISE, LLC3 Filed as: OPTAVISE LLC | 120 18TH STREET SOUTH BIRMINGHAM, AL 35233 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 2.00% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 2734 NORTH MILDRED AVE., #3 CHICAGO, IL 60614 | RELIANCESTANDARD LIFE INSURANCE COMPANY | — | $4K | $4K | 1.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB HEARTLAND LLC | 8044 MONTGOMERY RD. STE 640 CINCINNATI, OH 45236 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $28K | — | $28K | 15.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N CAUSEWAY BLVD SUITE 200 METAIRIE, LA 70002 | RELIANCESTANDARD LIFE INSURANCE COMPANY | — | $12K | $12K | 6.51% |
| OPTAVISE, LLC3 Filed as: OPTAVISE LLC | 120 18TH STREET SOUTH BIRMINGHAM, AL 35233 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 2.00% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 2734 NORTH MILDRED AVE., #3 CHICAGO, IL 60614 | RELIANCESTANDARD LIFE INSURANCE COMPANY | — | $3K | $3K | 1.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB HEARTLAND LLC | 8044 MONTGOMERY ROAD STE 640 CINCINNATI, OH 45236 | RELIASTAR LIFE INSURANCE COMPANY | — | $11K | $11K | 11.71% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 8044 MONTGOMERY ROAD STE 640 DBA HORAN HEALTH CINCINNATI, OH 45236 | RELIASTAR LIFE INSURANCE COMPANY | — | $7K | $7K | 8.29% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 600 CORPORATE POINTE FL 6 CULVER CITY, CA 90230 | RELIASTAR LIFE INSURANCE COMPANY | — | $3K | $3K | 2.97% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | DBA HO 8044 MONTGOMERY ROAD, SUITE 640 CINCINNATI, OH 45236 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $4K | — | $4K | 6.39% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB HEARTLAND | 8044 MONTGOMERY ROAD STE 640 CINCINNATI, OH 45236 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 2.59% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB HEARTLAND LLC | 8044 MONTGOMERY ROAD STE 640 CINCINNATI, OH 45236 | RELIASTAR LIFE INSURANCE COMPANY | — | $6K | $6K | 11.83% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 8044 MONTGOMERY ROAD STE 640 DBA HORAN HEALTH CINCINNATI, OH 45236 | RELIASTAR LIFE INSURANCE COMPANY | — | $4K | $4K | 8.17% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SERVICE | 600 CORPORATE POINTE FL 6 CULVER CITY, CA 90230 | RELIASTAR LIFE INSURANCE COMPANY | — | $2K | $2K | 2.95% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB HEARTLAND LLC | 8044 MONTGOMERY RD. STE 640 CINCINNATI, OH 45236 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N CAUSEWAY BLVD SUITE 200 METAIRIE, LA 70002 | RELIANCESTANDARD LIFE INSURANCE COMPANY | — | $1K | $1K | 5.45% |
| OPTAVISE, LLC3 Filed as: OPTAVISE LLC | 120 18TH STREET SOUTH BIRMINGHAM, AL 35233 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $387 | — | $387 | 2.00% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 2734 NORTH MILDRED AVE., #3 CHICAGO, IL 60614 | RELIANCESTANDARD LIFE INSURANCE COMPANY | — | $290 | $290 | 1.50% |
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 | 870 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 879 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,206 | $453K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,111 | $69K |
| Life insurance | RELIANCESTANDARD LIFE INSURANCE COMPANY | 756 | $296K |
| Long-term disability | RELIANCESTANDARD LIFE INSURANCE COMPANY | 756 | $186K |
| Other(4 contracts, 2 carriers) | RELIANCESTANDARD LIFE INSURANCE COMPANY | 756 | $459K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,206 | — |
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.