| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATE, INC. | 4990 E GALBRAITH RD STE 102 CINCINNATI, OH 45236 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $3K | — | $3K | 1.32% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 4990 E GALBRAITH RD, STE 102 CINCINNATI, OH 45236 | DELTA DENTAL OF KENTUCKY | $21K | — | $21K | 13.47% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 4990 E GALBRAITH RD, STE 102 CINCINNATI, OH 45236 | STANDARD INSURANCE COMPANY | $4K | $4K | $8K | 7.41% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 4990 E GALBRAITH RD, STE 102 CINCINNATI, OH 45236 | STANDARD INSURANCE COMPANY | $3K | $3K | $6K | 8.20% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 4990 E GALBRAITH RD, STE 102 CINCINNATI, OH 45236 | STANDARD INSURANCE COMPANY | $4K | $1K | $5K | 13.10% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 4990 E GALBRAITH RD STE 102 CINCINNATI, OH 45236 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 15.00% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 4990 E GALBRAITH RD STE 102 CINCINNATI, OH 45236 | METROPOLITAN LIFE INSURANCE COMPANY | $559 | $12 | $571 | 4.87% |
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 | 246 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 246 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 201 | $202K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF KENTUCKY | 246 | $170K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 201 | $202K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 239 | $125K |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 238 | $152K |
| Long-term disability(2 contracts, 2 carriers) | ANTHEM LIFE INSURANE COMPANY | 239 | $90K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 110 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 246 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.