| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 8044 MONTGOMERY ROAD, SUITE 640 CINCINNATI, OH 45236 | COMMUNITY INSURANCE COMPANY | $24K | $6K | $30K | 2.95% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVENUE, SUITE 1500 CLEVELAND, OH 44114 | COMMUNITY INSURANCE COMPANY | $0 | $14K | $14K | 1.33% |
| ERC SERVICES INC3 Filed as: ERC SERVICES, INC. | 3333 RICHMOND ROAD, SUITE 210 BEACHWOOD, OH 44122 | COMMUNITY INSURANCE COMPANY | $3K | $0 | $3K | 0.31% |
| HORAN ASSOCIATES INC.3 | 8044 MONTGOMERY ROAD SUITE 640 CINCINNATI, OH 45236 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $582 | $4K | 13.07% |
| COMPREHENSIVE BENEFITS SOLUTIONS3 Filed as: COMPREHENSIVE BENEFIT SOLUTIONS, LL | 9636 CINCINNATI COLUMBUS RD WEST CHESTER, OH 45241 | THE DENTAL CARE PLUS GROUP | $673 | — | $673 | 7.81% |
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 | 114 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 148 | $1.0M |
| Dental(2 contracts, 2 carriers) | COMMUNITY INSURANCE COMPANY | 148 | $1.0M |
| Vision | COMMUNITY INSURANCE COMPANY | 148 | $1.0M |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 136 | $28K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 136 | $28K |
| Prescription drug | COMMUNITY INSURANCE COMPANY | 148 | $1.0M |
| Other(2 contracts, 2 carriers) | COMMUNITY INSURANCE COMPANY | 148 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 148 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.