| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB HEARTLAND LLC | 8044 MONTGOMERY RD STE 640 CINCINNATI, OH 452362950 | AMERITAS LIFE INSURANCE CORP. | $649 | — | $649 | 10.00% |
| CENTRO BENEFITS RESEARCH LLC3 | 24500 CHAGRIN BLVD STE 365 BEACHWOOD, OH 441225601 | AMERITAS LIFE INSURANCE CORP. | $324 | — | $324 | 4.99% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC | 8044 MONTGOMERY ROAD SUITE 640 CINCINNATI, OH 45236 | CONTINENTAL AMERICAN INSURANCE COMPANY | $340 | — | $340 | 11.83% |
| BRIAN W PATTEN3 Filed as: BRIAN WILLIAM PATTEN | 121 BUCKTHORN RD BADEN, PA 15005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $238 | — | $238 | 8.28% |
| KRISTEN NICOLE WILKINS3 | 287 DERRY RIDGE ROAD LIGONIER, PA 15658 | CONTINENTAL AMERICAN INSURANCE COMPANY | $34 | — | $34 | 1.18% |
| MATTHEW RYAN KIRKWOOD3 | 337 FIELDSRUN ROAD NEW CASTLE, PA 16105 | CONTINENTAL AMERICAN INSURANCE COMPANY | $33 | — | $33 | 1.15% |
| DANIEL C HARRIS3 | 413 OAK RIDGE COURT MARS, PA 16046 | CONTINENTAL AMERICAN INSURANCE COMPANY | $30 | — | $30 | 1.04% |
| LORI LYNN PIERCE3 | 5909 CINNAMON OAKS DR CORPUS CHRISTI, TX 784142503 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.28% |
| JORDAN RYAN CHESTER3 | 8253 JELLISON ST ORLANDO, FL 32825 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.28% |
| KARY L BREEZE3 | 7114 KY HWY 1234 S MAYSVILLE, KY 41056 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.17% |
| TRISTAN GAINES3 Filed as: TRISTAN EMANUEL GAINES | 1985 BRANDYWINE DR NEW BRAUNFELS, TX 78130 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.10% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB HEARTLAND, LLC | 8044 MONTGOMERY RD SUITE 640 CINCINNATI, OH 45227 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | -$26 | — | -$26 | — |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP. | 360 | $6K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 360 | $6K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 36 | $0 |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 36 | $0 |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 36 | $0 |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 91 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 360 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.