| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB HEARTLAND LLC | 8044 MONTGOMERY RD STE 640 CINCINNATI, OH 45236 | RELIASTAR LIFE INSURANCE COMPANY | $74K | — | $74K | 10.44% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SERVICE | 600 CORPORATE POINTE FI 6 CULVER CITY, CA 90230 | RELIASTAR LIFE INSURANCE COMPANY | $33K | — | $33K | 4.69% |
| WATCHTOWER TECHNOLOGIES INC3 | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | RELIASTAR LIFE INSURANCE COMPANY | — | $10K | $10K | 1.37% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC | 8044 MONTGOMERY ROAD, SUITE 640 CINCINNATI, OH 45236 | UNITED HEALTHCARE INSURANCE COMPANY | $6K | — | $6K | 10.00% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC | 8044 MONTGOMERY ROAD STE 640 CINCINNATI, OH 452362950 | COMBINED INSURANCE COMPANY | $1K | — | $1K | 7.89% |
| IBENEFIT COMMUNICATION LLC3 Filed as: IBENEFIT COMMUNICATION | 4400 PARK RD STE 311 CHARLOTTE, NC 28209 | COMBINED INSURANCE COMPANY | $770 | — | $770 | 4.97% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB HEARTLAND LLC | 8044 MONTGOMERY ROAD STE 640 CINCINNATI, OH 452362950 | COMBINED INSURANCE COMPANY | $428 | — | $428 | 2.76% |
| BENEFITS ALL IN LLC3 | 6934 MIAMI AVENUE - SUITE 10 CINCINNATI, OH 45243 | COMBINED INSURANCE COMPANY | $189 | — | $189 | 1.22% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES | 8044 MONTGOMERY ROAD STE 640 CINCINNATI, OH 452362950 | COMBINED INSURANCE COMPANY OF AMERICA | $988 | — | $988 | 8.00% |
| BENEFITS ALL INSURANCE, LLC3 Filed as: BENEFITS ALL INSURANCE LLC | 6934 MIAMI AVENUE - SUITE 10 CINCINNATI, OH 45243 | COMBINED INSURANCE COMPANY OF AMERICA | $584 | — | $584 | 4.73% |
| IBENEFIT COMMUNICATION LLC3 Filed as: IBENEFIT COMMUNICATIONS | 4400 PARK RD STE 311 CHARLOTTE, NC 28209 | COMBINED INSURANCE COMPANY OF AMERICA | $567 | — | $567 | 4.59% |
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 | 920 | 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) | 929 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 649 | $63K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 1,402 | $709K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 1,402 | $709K |
| Other(3 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 1,402 | $737K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,402 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.