| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HORAN ASSOCIATES INC.3 | 4990 EAST GALBRAITH ROAD STE 102 CINCINNATI, OH 45236 | BLUECROSS BLUESHIELD OF TEXAS | $58K | — | $58K | 9.25% |
| HORAN ASSOCIATES INC.3 | 4990 EAST GALBRAITH ROAD STE 102 CINCINNATI, OH 45236 | SUN LIFE ASSURANCE CO. OF CANADA | $20K | $15K | $34K | 8.70% |
| HORAN ASSOCIATES INC.3 | 4990 EAST GALBRAITH ROAD STE 102 CINCINNATI, OH 45236 | DELTA DENTAL OF OHIO | $8K | — | $8K | 2.74% |
| HORAN ASSOCIATES INC.3 | 4990 EAST GALBRAITH ROAD STE 102 CINCINNATI, OH 45236 | VISION SERVICE PLAN | $2K | — | $2K | 3.80% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SUN LIFE ASSURANCE CO. OF CANADA EIN 38-1082080 CLAIMS PROCESSOR | Claims processing Service code 12 | — | $12K |
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 | 483 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 483 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OHIO | 356 | $291K |
| Vision | VISION SERVICE PLAN | 310 | $48K |
| Life insurance | SUN LIFE ASSURANCE CO. OF CANADA | 483 | $394K |
| Short-term disability | SUN LIFE ASSURANCE CO. OF CANADA | 483 | $394K |
| Long-term disability | SUN LIFE ASSURANCE CO. OF CANADA | 483 | $394K |
| Stop-loss / reinsurancereinsurance | BLUECROSS BLUESHIELD OF TEXAS | 408 | $622K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 483 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.