| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HORAN ASSOCIATES INC.3 | 8044 MONTGOMERY ROAD SUITE 640 CINCINNATI, OH 45236 | DELTA DENTAL OF OHIO | $5K | $171 | $5K | 4.80% |
| HORAN ASSOCIATES INC.3 | 8044 MONTGOMERY ROAD SUITE 640 CINCINNATI, OH 45236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $947 | $9K | 16.72% |
| HORAN ASSOCIATES INC.3 | 8044 MONTGOMERY ROAD SUITE 640 CINCINNATI, OH 45236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $523 | $5K | 16.71% |
| HORAN ASSOCIATES INC.3 | 8044 MONTGOMERY ROAD SUITE 640 CINCINNATI, OH 45236 | VISION SERVICE PLAN | $1K | — | $1K | 5.30% |
| HORAN ASSOCIATES INC.3 | 8044 MONTGOMERY ROAD SUITE 640 CINCINNATI, OH 45236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $206 | $2K | 16.80% |
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 | 152 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OHIO | 150 | $104K |
| Vision | VISION SERVICE PLAN | 92 | $22K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 152 | $67K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 152 | $31K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 152 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 152 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.