| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | DBA HO 8044 MONTGOMERY RD CINCINNATI, OH 45236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $90K | — | $90K | 14.03% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD 14TH FL STE 14A CHICAGO, IL 60604 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 0.16% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB HARTLAND LLC | 8044 MONTGOMERY, SUITE 640 CINCINNATI, OH 45236 | SUPERIOR DENTAL CARE | $20K | — | $20K | 3.17% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES | 8044 MONTGOMERY, SUITE 640 CINCINNATI, OH 45236 | SUPERIOR DENTAL CARE | $4K | — | $4K | 0.67% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LIMITED D | DBA HO 8044 MONTGOMERY RD CINCINNATI, OH 45236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $73K | — | $73K | 13.53% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD 14TH FL STE 14A CHICAGO, IL 60604 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $862 | $862 | 0.16% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | DBA HO 8044 MONTGOMERY RD CINCINNATI, OH 45236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $46K | — | $46K | 14.28% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD 14TH FL STE 14A CHICAGO, IL 60604 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $548 | $548 | 0.17% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB HEARTLAND LLC | 8044 MONTGOMERY RD STE 640 CINCINNATI, OH 45236 | RELIASTAR LIFE INSURANCE COMPANY | $16K | — | $16K | 10.00% |
| BENE RE LLC3 | 5217 MONROE ST STE B TOLEDO, OH 43623 | RELIASTAR LIFE INSURANCE COMPANY | — | $13K | $13K | 8.00% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 101 S GARLAND AVE STE 203 ORLANDO, FL 32801 | RELIASTAR LIFE INSURANCE COMPANY | — | $3K | $3K | 1.67% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB HEARTLAND LLC | 8044 MONTGOMERY ROAD STE 640 CINCINNATI, OH 45236 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $21K | — | $21K | 14.81% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | DBA HO 8044 MONTGOMERY ROAD SUITE 640 CINCINNATI, OH 45236 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $14K | — | $14K | 10.16% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | DBA HO 8044 MONTGOMERY RD CINCINNATI, OH 45236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 13.96% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD 14TH FL STE 14A CHICAGO, IL 60604 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $55 | $55 | 0.16% |
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 | 1,540 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,547 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUPERIOR DENTAL CARE | 2,095 | $620K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,924 | $142K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,073 | $322K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,539 | $538K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,539 | $642K |
| Other(3 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 1,960 | $236K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,095 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.