| 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. | — | $644 | $644 | 0.17% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 4990 E GALBRAITH RD, STE 102 CINCINNATI, OH 45236 | DELTA DENTAL OF KENTUCKY | $19K | — | $19K | 9.42% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 4990 E GALBRAITH RD, STE 102 CINCINNATI, OH 45236 | STANDARD INSURANCE COMPANY | $5K | $2K | $7K | 4.73% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 4990 E GALBRAITH RD, STE 102 CINCINNATI, OH 45236 | STANDARD INSURANCE COMPANY | $4K | $2K | $6K | 5.78% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 4990 E GALBRAITH RD, STE 102 CINCINNATI, OH 45236 | STANDARD INSURANCE COMPANY | $5K | $845 | $6K | 10.04% |
| 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 | 13.82% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM HEALTH PLANS OF KENTUCKY EIN 61-1237516 CLAIMS PROCESSOR | Other services; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Contract Administrator Service code 12 | — | $267K |
| HORAN ASSOCIATES, INC. | Insurance agents and brokers; Insurance brokerage commissions and fees; Other commissions Service code 22 | — | $78K |
| HORAN ASSOCIAES, INC. BROKER | Insurance agents and brokers; Insurance brokerage commissions and fees; Other commissions Service code 22 | 4990 EAST GALBRAITH RD, STE 102 CINCINNATI, OH 45236 | $0 |
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 | 324 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 324 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 655 | $206K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 294 | $374K |
| Life insurance | STANDARD INSURANCE COMPANY | 324 | $96K |
| Short-term disability | STANDARD INSURANCE COMPANY | 322 | $142K |
| Long-term disability | STANDARD INSURANCE COMPANY | 324 | $56K |
| Stop-loss / reinsurancereinsurance | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 294 | $374K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 65 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 655 | — |
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.