| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 8044 MONTGOMERY RD. SUITE 102 CINCINNATI, OH 45236 | SUPERIOR DENTAL CARE INC. | $12K | — | $12K | 7.76% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 8044 MONTGOMERY ROAD STE 640 CINCINNATI, OH 45236 | DEARBORN LIFE INSURANCE COMPANY | $14K | — | $14K | 10.09% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E. JACKSON BLVD CHICAGO, IL 60604 | DEARBORN LIFE INSURANCE COMPANY | $13K | — | $13K | 9.17% |
| HORAN ASSOCIATES INC.3 | 4990 EAST GALBRAITH ROAD CINCINNATI, OH 45236 | DEARBORN LIFE INSURANCE COMPANY | $1K | — | $1K | 0.94% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 4990 E. GALBRAITH RD #102 CINCINNATI, OH 45236 | UNITED HEALTHCARE INSURANCE COMPANY | $7K | — | $7K | 10.00% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN & ASSOCIATES INC | 4990 E GALBRAITH RD #102 CINCINNATI, OH 45236 | UNITED HEALTHCARE INSURANCE COMPANY | — | $15K | $15K | 32.13% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN & ASSOCIATES INC | 8044 MONTGOMERY ROAD SUITE 640 CINCINNATI, OH 452362590 | UNITED HEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 6.73% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 8044 MONTGOMERY ROAD STE 640 CINCINNATI, OH 452362950 | UNITED HEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 3.32% |
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 | 1,464 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,470 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUPERIOR DENTAL CARE INC. | 8,105 | $153K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 922 | $46K |
| Life insurance(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 684 | $213K |
| Short-term disability | UNITED HEALTHCARE INSURANCE COMPANY | 684 | $75K |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 684 | $213K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,105 | — |
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.