| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 4990 EAST GALBRAITH RD, STE 102 CINCINNATI, OH 45236 | COMMUNITY INSURANCE COMPANY | — | $3K | $3K | 1.40% |
| HORAN ASSOCIATES INC.3 | 4990 E. GALBRAITH ROAD STE 102 CINCINNATI, OH 45236 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $2K | $553 | $3K | 5.42% |
| HORAN ASSOCIATES INC.3 | 4990 E. GALBRAITH ROAD STE 102 CINCINNATI, OH 45236 | COMMUNITY INSURANCE COMPANY | $615 | — | $615 | 2.95% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 4990 E. GALBRAITH ROAD STE 102 CINCINNATI, OH 45236 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $749 | $225 | $974 | 5.28% |
| HORAN ASSOCIATES INC.3 | 4990 E. GALBRAITH ROAD STE 102 CINCINNATI, OH 45236 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $0 | $58 | $58 | 1.08% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 4990 E. GALBRAITH ROAD STE 102 CINCINNATI, OH 45236 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $0 | $32 | $32 | 0.66% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMMUNITY INSURANCE COMPANY EIN 31-1440175 BROKER | Other fees; Contract Administrator; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Other services Service code 12 | — | $134K |
| EXPRESS SCRIPTS, INC. | Claims processing; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator Service code 12 | — | $23K |
| HORAN ASSOCIATES INC. EIN 31-1004837 BROKER | Insurance brokerage commissions and fees; Other commissions; Insurance agents and brokers Service code 22 | — | $20K |
| DELTA DENTAL OF OHIO EIN 31-0685339 BENEFIT ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $16K |
| EXPRESS SCRIPTS EIN 31-1714795 BROKER | Float revenue; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator Service code 12 | — | $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 | 208 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 208 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | COMMUNITY INSURANCE COMPANY | 158 | $21K |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 208 | $51K |
| Short-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 208 | $5K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 208 | $18K |
| Stop-loss / reinsurancereinsurance | COMMUNITY INSURANCE COMPANY | 193 | $198K |
| Other | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 208 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 208 | — |
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.