| 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 | UNITEDHEALTHCARE INSURANCE COMPANY | $33K | — | $33K | 3.49% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC | 8044 MONTGOMERY RD STE 640 CINCINNATI, OH 452362950 | UNITEDHEALTHCARE INSURANCE COMPANY | -$60 | — | -$60 | -0.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB HEARTLAND LLC | 8044 MONTGOMERY ROAD SUITE 640 CINCINNATI, OH 45236 | COMMUNITY INSURANCE COMPANY | $6K | — | $6K | 9.32% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SERVICE | PO BOX 2158 RIVERSIDE, CA 92516 | COMMUNITY INSURANCE COMPANY | — | $2K | $2K | 2.71% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC | 8044 MONTGOMERY ROAD SUITE 640 CINCINNATI, OH 45236 | COMMUNITY INSURANCE COMPANY | $481 | — | $481 | 0.79% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB HEARTLAND, LLC | 8044 MONTGOMERY ROAD SUITE 640 CINCINNATI, OH 45236 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N CAUSEWAY BLVD SUITE 200 METAIRIE, LA 70002 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $1K | $1K | 3.77% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 W ERIE ST, STE 300 CHICAGO, IL 60654 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $477 | $477 | 1.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB HEARTLAND, LLC | 8044 MONTGOMERY ROAD SUITE 640 CINCINNATI, OH 45236 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 9.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N CAUSEWAY BLVD SUITE 200 METAIRIE, LA 70002 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $895 | $895 | 5.02% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 W ERIE ST STE 300 CHICAGO, IL 60654 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $268 | $268 | 1.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB HEARTLAND, LLC | 8044 MONTGOMERY ROAD SUITE 640 CINCINNATI, OH 45236 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $407 | — | $407 | 14.85% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 306 W ERIE ST, STE 300 CHICAGO, IL 60654 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $41 | $41 | 1.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB HEARTLAND, LLC | 8044 MONTGOMERY ROAD, SUITE 640 CINCINNATI, OH 45236 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $239 | — | $239 | 14.99% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N CAUSEWAY BLVD SUITE 200 METAIRIE, LA 70002 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $79 | $79 | 4.96% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 2734 NORTH MILDRED AVE., #3 CHICAGO, IL 60614 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $24 | $24 | 1.51% |
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 | 149 | 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) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 185 | $1.0M |
| Dental | COMMUNITY INSURANCE COMPANY | 185 | $61K |
| Vision | COMMUNITY INSURANCE COMPANY | 185 | $61K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 149 | $18K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 62 | $32K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 153 | $3K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 149 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 185 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.