| 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 | $189K | $23K | $213K | 20.05% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC | 4990 E GALBRAITH RD STE 102 CINCINNATI, OH 45236 | UNITED HEALTHCARE INSURANCE COMPANY | $10K | — | $10K | 5.46% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC | 4990 EAST GALBRAITH RD, STE 102 CINCINNATI, OH 45236 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $214 | $27 | $241 | 11.43% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM INSURANCE COMPANIES INC. EIN 35-0781558 CLAIMS PROCESSOR | Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Float revenue; Other fees; Claims processing Service code 12 | — | $1.3M |
| ANTHEM INSURANCE COMPANIES, INC. | Claims processing; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator Service code 12 | — | $400K |
| WELLNESS FOR LIFE EIN 27-1272683 ADMINISTRATOR | Contract Administrator Service code 13 | — | $358K |
| HORAN ASSOCIATES, INC. EIN 31-1004837 BROKER | Other commissions; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $76K |
| DELTA DENTAL OF INDIANA EIN 35-1545647 59443 | Contract Administrator; Claims processing 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 | 3,397 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 3,397 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 3,397 | $183K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 3,397 | $183K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 1,737 | $1.1M |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 1,737 | $1.1M |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 1,737 | $1.1M |
| Stop-loss / reinsurancereinsurance | ANTHEM INSURANCE COMPANIES INC | 1,636 | $382K |
| Other(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 1,737 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,397 | — |
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.