| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HORAN ASSOCIATES INC.3 | 8044 MONTGOMERY ROAD SUITE 640 CINCINNATI, OH 45236 | MEDICAL MUTUAL OF OHIO | $111K | $75K | $187K | 2.88% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC STEPHEN ASHE | 8044 MONTGOMERY ROAD SUITE 640 CINCINNATI, OH 45236 | DELTA DENTAL OF OHIO | $11K | — | $11K | 3.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | DBA HO 8044 MONTGOMERY RD, 640 CINCINNATI, OH 45236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $4K | $7K | 3.81% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | DBA HO 8044 MONTGOMERY ROAD, 640 CINCINNATI, OH 45236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $17K | $4K | $20K | 12.27% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 8044 MONTGOMERY ROAD SUITE 640 CINCINNATI, OH 45236 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $5K | — | $5K | 9.00% |
| HORAN ASSOCIATES INC.3 | 8044 MONTGOMERY ROAD #640 CINCINNATI, OH 45236 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $6K | — | $6K | 17.81% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | DBA HO 8044 MONTGOMERY ROAD, 640 CINCINNATI, OH 45236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $680 | $4K | 12.20% |
| HORAN ASSOCIATES INC.3 | 8044 MONTGOMERY ROAD #640 CINCINNATI, OH 45236 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | — | $5K | 17.93% |
| HORAN ASSOCIATES INC.3 | 8044 MONTGOMERY ROAD #640 CINCINNATI, OH 45236 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | — | $4K | 17.84% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB HEARTLAND LLC | STE 640 8044 MONTGOMERY RD CINCINNATI, OH 45236 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $3K | — | $3K | 15.74% |
| DEBORAH GOODWIN3 | 8046 BENNINGTON DR WEST CHESTER, OH 45241 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $22 | — | $22 | 0.11% |
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 | 736 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 744 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL OF OHIO | 562 | $6.5M |
| Dental | DELTA DENTAL OF OHIO | 1,162 | $380K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 973 | $55K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 736 | $165K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 736 | $188K |
| Prescription drug | MEDICAL MUTUAL OF OHIO | 562 | $6.5M |
| Other(5 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 736 | $134K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,162 | — |
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."
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.