| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | MICHAEL LAKIN 8044 MONTGOMERY ROAD, SUITE 640 CINCINNATI, OH 45236 | DELTA DENTAL OF OHIO | $3K | — | $3K | 2.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB HEARTLAND LLC | MICHAEL LAKIN 8044 MONTGOMERY RD ST 640 CINCINNATI, OH 45236 | DELTA DENTAL OF OHIO | $952 | — | $952 | 0.74% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | DBA HO 8044 MONTGOMERY ROAD, SUITE 640 CINCINNATI, OH 45236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 8.91% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES INC | DBA THREEFLOW 306 W ERIE ST CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $881 | $881 | 1.74% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN & ASSOCIATES INC. | 4990 EAST GALBRAITH ROAD CINCINNATI, OH 45236 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 9.99% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | DBA HO 8044 MONTGOMERY ROAD, SUITE 640 CINCINNATI, OH 45236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 9.80% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES INC | DBA THREEFLOW 306 W ERIE ST CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $305 | $305 | 1.76% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES INC | DBA THREEFLOW 306 W ERIE ST CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $124 | $124 | 1.76% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | DBA HO 8044 MONTGOMERY ROAD, SUITE 640 CINCINNATI, OH 45236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $203 | — | $203 | 11.89% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES INC | DBA THREEFLOW 306 W ERIE ST CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $30 | $30 | 1.76% |
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 | 155 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 157 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OHIO | 437 | $129K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 365 | $23K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 216 | $17K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 216 | $7K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 73 | $51K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 216 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 437 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.