| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HORAN ASSOCIATES INC.3 | 4990 EAST GALBRAITH ROAD STE 102 CINCINNATI, OH 45236 | AETNA LIFE INSURANCE COMPANY | $44K | — | $44K | 3.33% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER-TIFFANY BENEFITS | 400 BERWYN PARK, STE 200 899 CASSATT ROAD BERWYN, PA 19312 | AETNA LIFE INSURANCE COMPANY | $13K | — | $13K | 1.00% |
| EMERSON REID LLC3 | THE EMPIRE STATE BUILDING 350 FIFTH AVENUE, STE 3700 NEW YORK, NY 10118 | AETNA LIFE INSURANCE COMPANY | $2K | — | $2K | 0.17% |
| HORAN ASSOCIATES INC.3 | 4990 EAST GALBRAITH ROAD STE 102 CINCINNATI, OH 45236 | DELTA DENTAL OF OHIO | $4K | — | $4K | 4.72% |
| ASSUREDPARTNERS3 Filed as: THE SIMKISS AGENCY, INC. | 2 PAOLI OFFICE PARK PAOLI, PA 19301 | DELTA DENTAL OF OHIO | $1K | — | $1K | 1.40% |
| HORAN ASSOCIATES INC.3 | 4990 EAST GALBRAITH ROAD STE 102 CINCINNATI, OH 45236 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $530 | $4K | 9.97% |
| ASSUREDPARTNERS3 Filed as: SIMKISS AGENCY INC | PO BOX 1787 PAOLI, PA 19301 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 5.30% |
| HORAN ASSOCIATES INC.3 | 4990 EAST GALBRAITH ROAD STE 102 CINCINNATI, OH 45236 | VISION SERVICE PLAN | $921 | — | $921 | 5.52% |
| ASSUREDPARTNERS3 Filed as: THE SIMKISS AGENCY, INC. | 1041 OLD CASSATT ROAD BERWYN, PA 19312 | VISION SERVICE PLAN | $257 | — | $257 | 1.54% |
| HORAN ASSOCIATES INC.3 | 4990 EAST GALBRAITH ROAD STE 102 CINCINNATI, OH 45236 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $734 | $61 | $795 | 16.25% |
| ASSUREDPARTNERS3 Filed as: SIMKISS AGENCY INC. | PO BOX 1787 PAOLI, PA 19301 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $432 | — | $432 | 8.83% |
| ASSUREDPARTNERS3 Filed as: SIMKISS AGENCY INC | PO BOX 1787 PAOLI, PA 19301 | FIRST UNUM LIFE INSURANCE COMPANY | $75 | — | $75 | 19.95% |
| HORAN ASSOCIATES INC.3 | 4990 EAST GALBRAITH ROAD STE 102 CINCINNATI, OH 45236 | FIRST UNUM LIFE INSURANCE COMPANY | $40 | $3 | $43 | 11.44% |
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 | 112 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 112 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 108 | $1.3M |
| Dental | DELTA DENTAL OF OHIO | 107 | $82K |
| Vision | VISION SERVICE PLAN | 73 | $17K |
| Life insurance(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 112 | $59K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 105 | $42K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 112 | $49K |
| Other(5 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 112 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 112 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.