| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 8044 MONTGOMERY ROAD STE 640 CINCINNATI, OH 452362950 | RELIASTAR LIFE INSURANCE COMPANY | $62K | — | $62K | 13.04% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | DBA HORAN HEALTH 8044 MONTGOMERY ROAD, SUITE 640 CINCINNATI, OH 452362950 | RELIASTAR LIFE INSURANCE COMPANY | $10K | — | $10K | 2.01% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 227 W MONROE ST STE 5200 CHICAGO, IL 606064500 | RELIASTAR LIFE INSURANCE COMPANY | — | $7K | $7K | 1.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | DBA HORAN HEALTH 8044 MONTGOMERY ROAD, STE 640 CINCINNATI, OH 452362950 | RELIASTAR LIFE INSURANCE COMPANY | $3K | — | $3K | 2.05% |
| WATCHTOWER TECHNOLOGIES INC3 | 227 W MONROE ST STE 5200 CHICAGO, IL 606064500 | RELIASTAR LIFE INSURANCE COMPANY | — | $3K | $3K | 1.50% |
| HORAN ASSOCIATES INC.3 | 8044 MONTGOMERY ROAD STE 640 CINCINNATI, OH 45236 | UNITED HEALTHCARE INSURANCE COMPANY | $6K | — | $6K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 8044 MONTGOMERY ROAD STE 640 CINCINNATI, OH 452362950 | RELIASTAR LIFE INSURANCE COMPANY | $5K | — | $5K | 20.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 8044 MONTGOMERY ROAD STE 640 CINCINNATI, OH 452362950 | RELIASTAR LIFE INSURANCE COMPANY | $3K | — | $3K | 20.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 8044 MONTGOMERY ROAD STE 640 CINCINNATI, OH 452362950 | RELIASTAR LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | DBA HORAN HEALTH 8044 MONTGOMERY ROAD, STE 640 CINCINNATI, OH 452362950 | RELIASTAR LIFE INSURANCE COMPANY | $358 | — | $358 | 2.15% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 227 W MONROE ST STE 5200 CHICAGO, IL 606064500 | RELIASTAR LIFE INSURANCE COMPANY | — | $250 | $250 | 1.50% |
| IBENEFIT COMMUNICATION LLC3 Filed as: IBENEFIT COMMUNICATION | 4400 PARK RD STE 311 CHARLOTTE, NC 28209 | COMMUNITY INSURANCE COMPANY | $2K | — | $2K | 11.77% |
| HORAN ASSOCIATES INC.3 | 8044 MONTGOMERY ROAD STE 640 CINCINNATI, OH 452362950 | COMMUNITY INSURANCE COMPANY | $1K | — | $1K | 8.76% |
| BENEFITS ALL IN LLC3 | 6934 MIAMI AVENUE - SUITE 10 CINCINNATI, OH 45243 | COMMUNITY INSURANCE COMPANY | $297 | — | $297 | 1.82% |
| IBENEFIT COMMUNICATION LLC3 Filed as: IBENEFIT COMMUNICATION | 4400 PARK RD STE 311 CHARLOTTE, NC 28209 | COMBINED INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 10.33% |
| HORAN ASSOCIATES INC.3 | 8044 MONTGOMERY ROAD STE 640 CINCINNATI, OH 452362950 | COMBINED INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 8.76% |
| BENEFITS INC3 Filed as: BENEFITS INS LLC | 6934 MIAMI AVENUE - SUITE 10 CINCINNATI, OH 45243 | COMBINED INSURANCE COMPANY OF AMERICA | $778 | — | $778 | 5.72% |
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 | 895 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 36 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 931 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 602 | $64K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 1,414 | $476K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 358 | $171K |
| Other(6 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 895 | $91K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,414 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.