| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 4990 E GALBRAITH RD STE 102 CINCINNATI, OH 45236 | COMMUNITY INSURANCE COMPANY | $0 | $8K | $8K | 1.78% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC | 4990 E GALBRAITH RD STE 102 CINCINNATI, OH 45236 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $29K | — | $29K | 6.92% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 4990 E. GALBRAITH ROAD STE 102 CINCINNATI, OH 45236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $20K | $4K | $24K | 12.14% |
| BENEFIT ADVISORS SERVICES3 | 1120 SANCTUARY PKWY STE 375 ALPHARETTA, GA 30009 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 1.00% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 4990 E. GALBRAITH ROAD STE 102 CINCINNATI, OH 45236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $14K | $2K | $16K | 17.27% |
| BENEFIT ADVISORS SERVICES3 | 1120 SANCTUARY PKWY STE 375 ALPHARETTA, GA 30009 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $936 | — | $936 | 1.00% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 4990 E. GALBRAITH ROAD STE 102 CINCINNATI, OH 45236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $562 | $3K | 12.36% |
| BENEFIT ADVISORS SERVICES3 | 1120 SANCTUARY PKWY STE 375 ALPHARETTA, GA 30009 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $238 | — | $238 | 1.00% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 4990 E. GALBRAITH ROAD STE 102 CINCINNATI, OH 45236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $409 | $2K | 12.48% |
| BENEFIT ADVISORS SERVICES3 | 1120 SANCTUARY PKWY STE 375 ALPHARETTA, GA 30009 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $165 | — | $165 | 1.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMMUNITY INSURANCE COMPANY EIN 31-1440175 CLAIMS PROCESSOR | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other fees; Claims processing; Float revenue; Other services Service code 12 | — | $367K |
| HORAN ASSOCIATES, INC. | Other commissions; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $38K |
| HORAN ASSOCIATES INC BROKER | Other commissions; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 4990 E 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 | 429 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 429 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 378 | $415K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 378 | $415K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 429 | $196K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 77 | $24K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 429 | $94K |
| Stop-loss / reinsurancereinsurance | COMMUNITY INSURANCE COMPANY | 362 | $438K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 352 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 429 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.