| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 4990 E GALBRAITH RD STE 102 CINCINNATI, OH 45236 | RELIASTAR LIFE INSURANCE COMPANY | $145K | — | $145K | 11.99% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC | 4990 E GALBRAITH RD STE 102 CINCINNATI, OH 45236 | DELTA DENTAL OF INDIANA | $0 | — | $0 | 0.00% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC | 4990 E GALBRAITH RD STE 102 CINCINNATI, OH 45236 | UNITED HEALTHCARE INSURANCE COMPANY | $9K | — | $9K | 4.61% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC | 4990 EAST GALBRAITH RD, STE 102 CINCINNATI, OH 45236 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $304 | $3K | 14.94% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM INSURANCE COMPANIES INC. EIN 35-0781558 CLAIMS PROCESSOR | Other services; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other fees; Float revenue; Contract Administrator Service code 12 | — | $1.1M |
| ANTHEM INSURANCE COMPANIES, INC. | Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Claims processing Service code 12 | — | $322K |
| HORAN ASSOCIATES, INC. BROKER | Other commissions; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 4990 E GALBRAITH RD STE 102 CINCINNATI, OH 45236 | $128K |
| RELIASTAR LIFE INSURANCE COMPANY EIN 41-0451140 CLAIMS PROCESSOR | Contract Administrator; Claims processing Service code 12 | — | $16K |
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 | 3,394 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 3,394 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 3,219 | $198K |
| Dental | DELTA DENTAL OF INDIANA | 3,394 | $785K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 3,219 | $198K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 1,697 | $1.2M |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 1,697 | $1.2M |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 1,697 | $1.2M |
| Stop-loss / reinsurancereinsurance | ANTHEM INSURANCE COMPANIES INC | 1,565 | $418K |
| Other(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 1,697 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,394 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.