| 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. | $46K | — | $46K | 12.95% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 4990 E GALBRAITH RD, STE 102 CINCINNATI, OH 45236 | DELTA DENTAL OF KENTUCKY | $24K | — | $24K | 9.97% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 4990 E GALBRAITH RD, STE 102 CINCINNATI, OH 45236 | STANDARD INSURANCE COMPANY | $9K | — | $9K | 5.67% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 4990 E GALBRAITH RD, STE 102 CINCINNATI, OH 45236 | STANDARD INSURANCE COMPANY | $7K | — | $7K | 6.89% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 4990 E GALBRAITH RD, STE 102 CINCINNATI, OH 45236 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 10.07% |
| 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 | 15.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM HEALTH PLANS OF KENTUCKY EIN 61-1237516 CLAIMS PROCESSOR | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Float revenue; Other fees; Claims processing; Other services Service code 12 | — | $242K |
| HORAN ASSOCIATES, INC. | Other commissions; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $25K |
| EXPRESS SCRIPTS, INC. EIN 31-1714795 CLAIM PROCESSOR | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Float revenue Service code 12 | — | $0 |
| HORAN ASSOCIAES, INC. BROKER | Insurance agents and brokers; Other commissions; Insurance brokerage commissions and fees 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 | 365 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 365 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 687 | $240K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 350 | $358K |
| Life insurance | STANDARD INSURANCE COMPANY | 365 | $101K |
| Short-term disability | STANDARD INSURANCE COMPANY | 364 | $159K |
| Long-term disability | STANDARD INSURANCE COMPANY | 365 | $63K |
| Stop-loss / reinsurancereinsurance | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 350 | $358K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 109 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 687 | — |
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.