| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BARRETT BENEFITS GROUP3 Filed as: BARRETT BENEFITS GROUP, INC. | 593 BROADWAY AVE CLEVELAND, OH 44146 | UNITEDHEALTHCARE INSURANCE COMPANY | $28K | — | $28K | 3.43% |
| HORAN ASSOCIATES INC.3 | 8044 MONTGOMERY ROAD STE 640 CINCINNATI, OH 45236 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | — | $6K | 0.74% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE COLUMBUS | 250 W OLD WILSON BRIDGE RD STE 190 WORTHINGTON, OH 43085 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $5K | $5K | 0.55% |
| BARRETT BENEFITS GROUP3 Filed as: BARRETT BENEFITS GROUP, INC. | 593 BROADWAY AVE BEDFORD, OH 44146 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 9.12% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST, LTD | 8044 MONTGOMERY ROAD STE 640 CINCINNATI, OH 45236 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $380 | — | $380 | 0.88% |
| BARRETT BENEFITS GROUP3 Filed as: BARRETT BENEFITS GROUP, INC. | 593 BROADWAY AVE BEDFORD, OH 44146 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 13.78% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST, LTD | 8044 MONTGOMERY ROAD STE 640 CINCINNATI, OH 45236 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $311 | — | $311 | 1.22% |
| BARRETT BENEFITS GROUP3 Filed as: BARRETT BENEFITS GROUP, INC. | 593 BROADWAY AVE BEDFORD, OH 44146 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 13.74% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST, LTD | 8044 MONTGOMERY ROAD STE 640 CINCINNATI, OH 45236 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $278 | — | $278 | 1.26% |
| BARRETT BENEFITS GROUP3 Filed as: BARRETT BENEFITS GROUP, INC. | 593 BROADWAY AVE BEDFORD, OH 44146 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $641 | — | $641 | 9.14% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST, LTD | 8044 MONTGOMERY ROAD STE 640 CINCINNATI, OH 45236 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $61 | — | $61 | 0.87% |
| BARRETT BENEFITS GROUP3 Filed as: BARRETT BENEFITS GROUP, INC. | 593 BROADWAY AVE BEDFORD, OH 44146 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $894 | — | $894 | 13.71% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 8044 MONTGOMERY ROAD SUITE 640 CINCINNATI, OH 45236 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $84 | — | $84 | 1.29% |
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 | 102 | 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) | 104 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 84 | $815K |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 74 | $43K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 65 | $7K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 102 | $7K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 52 | $26K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 44 | $22K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 102 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 102 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.
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.