| 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 | $0 | — | $0 | 0.00% |
| HORAN ASSOCIATES INC.3 | 4990 EAST GALBRAITH ROAD STE 102 CINCINNATI, OH 45236 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $9K | — | $9K | 12.21% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 | 1120 SANCTUARY PARKWAY, STE 375 ALPHARETTA, GA 30009 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $0 | $836 | $836 | 1.13% |
| HORAN ASSOCIATES INC.3 | 4990 E. GALBRAITH ROAD STE 102 CINCINNATI, OH 45236 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $9K | — | $9K | 12.21% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 | 1120 SANCTUARY PARKWAY, STE 375 ALPHARETTA, GA 30009 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $0 | $836 | $836 | 1.13% |
| HORAN ASSOCIATES INC.3 | 4990 E. GALBRAITH ROAD STE 102 CINCINNATI, OH 45236 | COMMUNITY INSURANCE COMPANY | $706 | $86 | $792 | 2.93% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 4990 E. GALBRAITH ROAD STE 102 CINCINNATI, OH 45236 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $3K | -$24 | $3K | 9.91% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 | 1120 SANCTUARY PARKWAY, STE 375 ALPHARETTA, GA 30009 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $0 | $307 | $307 | 1.19% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMMUNITY INSURANCE COMPANY EIN 31-1440175 BROKER | Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Other fees; Other services; Claims processing Service code 12 | — | $168K |
| HORAN ASSOCIATES INC. EIN 31-1004837 BROKER | Insurance brokerage commissions and fees; Other commissions; Insurance agents and brokers Service code 22 | — | $26K |
| INGENIORX, INC. EIN 82-3062245 CLAIMS PROCESSOR | Claims processing; Float revenue; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator Service code 12 | — | $19K |
| LIBERTY LIFE INSURANCE COMPANY OF B EIN 04-6076039 BENEFITS ADMINISTRATOR | Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing Service code 12 | — | $15K |
| EXPRESS SCRIPTS, INC. | Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Contract Administrator Service code 12 | — | $14K |
| DELTA DENTAL OF OHIO EIN 31-0685339 BENEFIT ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $13K |
| EXPRESS SCRIPTS EIN 31-1714795 BROKER | Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; 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 | 229 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 229 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | COMMUNITY INSURANCE COMPANY | 167 | $27K |
| Life insurance(2 contracts) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 229 | $148K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 230 | $26K |
| Stop-loss / reinsurancereinsurance | COMMUNITY INSURANCE COMPANY | 195 | $247K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 230 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.