| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HORAN ASSOCIATES INC.3 | 8044 MONTGOMERY ROAD STE 640 CINCINNATI, OH 45236 | ROCKY MOUNTAIN HOSPITAL & MEDICAL SERVICE, INC. | $6K | — | $6K | 1.17% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 | 2127 ORIEN RD TOMS RIVER, NJ 08755 | ROCKY MOUNTAIN HOSPITAL & MEDICAL SERVICE, INC. | $302 | — | $302 | 0.06% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB HEARTLAND LLC | 8044 MONTGOMERY ROAD STE 640 CINCINNATI, OH 45236 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $20K | — | $20K | 16.00% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 2734 NORTH MILDRED AVE., #3 CHICAGO, IL 60614 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $2K | $2K | 1.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB HEARTLAND LLC | 8044 MONTGOMERY ROAD STE 640 CINCINNATI, OH 45236 | RELIASTAR LIFE INSURANCE COMPANY | $15K | — | $15K | 16.00% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 2734 NORTH MILDRED AVE., #3 CHICAGO, IL 60614 | RELIASTAR LIFE INSURANCE COMPANY | — | $1K | $1K | 1.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB HEARTLAND LLC | 8044 MONTGOMERY ROAD STE 640 CINCINNATI, OH 45236 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $9K | — | $9K | 11.00% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 2734 NORTH MILDRED AVE., #3 CHICAGO, IL 60614 | RELIANCESTANDARD LIFE INSURANCE COMPANY | — | $1K | $1K | 1.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 8044 MONTGOMERY ROAD STE 640 CINCINNATI, OH 45236 | AMERITAS LIFE INSURANCE CORP. | $5K | — | $5K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 8044 MONTGOMERY ROAD SUITE 640 CINCINNATI, OH 452362950 | AMERITAS LIFE INSURANCE CORP. | $28K | — | $28K | 55.49% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB HEARTLAND LLC | 8044 MONTGOMERY ROAD STE 640 CINCINNATI, OH 45236 | RELIASTAR LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 2734 NORTH MILDRED AVE., #3 CHICAGO, IL 60614 | RELIASTAR LIFE INSURANCE COMPANY | — | $419 | $419 | 1.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB HEARTLAND LLC | 8044 MONTGOMERY ROAD STE 640 CINCINNATI, OH 45236 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 2734 NORTH MILDRED AVE., #3 CHICAGO, IL 60614 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $392 | $392 | 1.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB HEARTLAND LLC | 8044 MONTGOMERY ROAD STE 640 CINCINNATI, OH 45236 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 2734 NORTH MILDRED AVE., #3 CHICAGO, IL 60614 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $298 | $298 | 1.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB HEARTLAND LLC | 8044 MONTGOMERY ROAD STE 640 CINCINNATI, OH 45236 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 16.00% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 2734 NORTH MILDRED AVE., #3 CHICAGO, IL 60614 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $104 | $104 | 1.50% |
| HORAN ASSOCIATES INC.3 | 8044 MONTGOMERY ROAD STE 640 CINCINNATI, OH 45236 | ANTHEM LIFE INSURANCE COMPANY | $4K | — | $4K | — |
| BENEFIT ADVISORS SERVICES GROUP LLC3 | 2127 ORIEN RD TOMS RIVER, NJ 08755 | ANTHEM LIFE INSURANCE COMPANY | $287 | — | $287 | — |
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 | 663 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 669 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 997 | $6.5M |
| Dental | AMERITAS LIFE INSURANCE CORP. | 532 | $50K |
| Vision(2 contracts, 2 carriers) | ROCKY MOUNTAIN HOSPITAL & MEDICAL SERVICE, INC. | 1,075 | $525K |
| Life insurance(3 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 575 | $206K |
| Long-term disability(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 575 | $94K |
| Other(8 contracts, 6 carriers) | ROCKY MOUNTAIN HOSPITAL & MEDICAL SERVICE, INC. | 664 | $649K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,075 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.