| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC | 4990 EAST GALBRAITH RD SUITE 102 CINCINNATI, OH 45236 | MEDICAL MUTUAL | $28K | $10K | $38K | 3.46% |
| SAVAGE & ASSOCIATES INC3 Filed as: SAVAGE & ASSOCIATES INC. | 655 BEAVER CREEK CIRCLE MAUMEE, OH 43537 | MEDICAL MUTUAL | $19K | $1 | $19K | 1.71% |
| ENROLLEASE3 | 660 YORK ST SUITE 102 SAN FRANCISO, CA 94110 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 12.82% |
| SAVAGE & ASSOCIATES INC3 Filed as: SAVAGE & ASSOCIATES INC. | 655 BEAVER CREEK CIRCLE MAUMEE, OH 43537 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 11.07% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC | 4990 EAST GALBRAITH RD SUITE 102 CINCINNATI, OH 45236 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 5.37% |
| SAVAGE & ASSOCIATES INC3 Filed as: SAVAGE & ASSOCIATES INC. | 655 BEAVER CREEK CIRCLE MAUMEE, OH 43537 | UNITEDHEALTHCARE INSURANCE COMPANY | $554 | — | $554 | 1.57% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC | 4990 E. GALBRAITH RD SUITE 102 CINCINNATI, OH 45236 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 7.86% |
| SAVAGE & ASSOCIATES INC3 Filed as: SAVAGE & ASSOCIATES INC. | 655 BEAVER CREEK CIRCLE MAUMEE, OH 43537 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $371 | $0 | $371 | 2.14% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC | 4990 E. GALBRAITH RD SUITE 102 CINCINNATI, OH 45236 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $759 | $0 | $759 | 7.86% |
| SAVAGE & ASSOCIATES INC3 Filed as: SAVAGE & ASSOCIATES INC. | 655 BEAVER CREEK CIRCLE MAUMEE, OH 43537 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $206 | $0 | $206 | 2.13% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC | 4990 E. GALBRAITH RD SUITE 102 CINCINNATI, OH 45236 | VISION SERVICE PLAN | $572 | $0 | $572 | 6.12% |
| SAVAGE & ASSOCIATES INC3 Filed as: SAVAGE & ASSOCIATES INC. | 655 BEAVER CREEK CIRCLE MAUMEE, OH 43537 | VISION SERVICE PLAN | $137 | $0 | $137 | 1.47% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC | 4990 E. GALBRAITH RD SUITE 102 CINCINNATI, OH 45236 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $910 | $0 | $910 | 11.73% |
| SAVAGE & ASSOCIATES INC3 Filed as: SAVAGE & ASSOCIATES INC. | 655 BEAVER CREEK CIRCLE MAUMEE, OH 43537 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $253 | $0 | $253 | 3.26% |
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 | 138 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | MEDICAL MUTUAL | 145 | $1.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 178 | $35K |
| Vision(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 178 | $45K |
| Life insurance(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 178 | $53K |
| Long-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 178 | $53K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 178 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 178 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.