| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB HEARTLAND LLC | 8044 MONTGOMERY ROAD, SUITE 640 CINCINNATI, OH 45236 | MEDICAL MUTUAL OF OHIO | $109K | $78K | $187K | 2.46% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES | 8044 MONTGOMERY ROAD, SUITE 640 CINCINNATI, OH 45236 | MEDICAL MUTUAL OF OHIO | $10K | $6K | $15K | 0.20% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SERVICE | 600 CORPORATE POINTE FL 6 CULVER CITY, CA 902307629 | RELIASTAR LIFE INSURANCE COMPANY | $23K | — | $23K | 4.67% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | DBA HORAN HEALTH 8044 MONTGOMERY RD STE 640 CINCINNATI, OH 452362950 | RELIASTAR LIFE INSURANCE COMPANY | $21K | — | $21K | 4.23% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB HEARTLAND LLC | 8044 MONTOMGERY RD STE 640 CINCINNATI, OH 452362950 | RELIASTAR LIFE INSURANCE COMPANY | $21K | — | $21K | 4.22% |
| WATCHTOWER TECHNOLOGIES INC3 | 227 W MONROE ST STE 5200 CHICAGO, IL 606064500 | RELIASTAR LIFE INSURANCE COMPANY | — | $8K | $8K | 1.60% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB HEARTLAND LLC | STEPHEN ASHE 8044 MONTGOMERY RD STE 640 CINCINNATI, OH 45236 | DELTA DENTAL OF OHIO | $9K | — | $9K | 2.02% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC | STEPHEN ASHE 8044 MONTGOMERY ROAD, STE 640 CINCINNATI, OH 45236 | DELTA DENTAL OF OHIO | $4K | $1K | $5K | 1.24% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB HEARTLAND | 8044 MONTGOMERY ROAD SUITE 640 CINCINNATI, OH 45236 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $5K | — | $5K | 6.84% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LIMITED D | 8044 MONTGOMERY ROAD SUITE 640 CINCINNATI, OH 45236 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 2.98% |
| HUB INTERNATIONAL MIDWEST LIMITED4 Filed as: HUB HEARTLAND LLC | 8440 MONTGOMERY RD STE 640 CINCINNATI, OH 452362288 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $4K | — | $4K | 18.46% |
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 | 766 | 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) | 766 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL OF OHIO | 599 | $7.6M |
| Dental | DELTA DENTAL OF OHIO | 1,255 | $438K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,067 | $66K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 1,485 | $501K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 1,485 | $501K |
| Prescription drug | MEDICAL MUTUAL OF OHIO | 599 | $7.6M |
| Other(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 1,485 | $522K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,485 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.