| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HORAN ASSOCIATES INC.3 | 4990 E. GALBRAITH ROAD, SUITE 102 CINCINNATI, OH 45236 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $29K | $29K | 5.00% |
| UNITED BENEFIT ADVISORS LLC3 | 20 N. WACKER DR., SUITE 500 CHICAGO, IL 60606 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $14K | $14K | 2.50% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC | 4990 E GALBRAITH RD STE 102 CINCINNATI, OH 45236 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $57K | — | $57K | 15.00% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC | 4990 E GALBRAITH RD STE 102 CINCINNATI, OH 45236 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $20K | — | $20K | 15.34% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC | 4990 E GALBRAITH RD STE 102 CINCINNATI, OH 45236 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $13K | — | $13K | 14.32% |
| HORAN ASSOCIATES INC.3 | 4990 EAST GALBRAITH ROAD, SUITE 102 CINCINNATI, OH 45236 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $15K | $3K | $18K | 23.54% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN SECURITIES | 4990 EAST GALBRAITH ROAD, SUITE 102 CINCINNATI, OH 45236 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $523 | $3K | 4.01% |
| M FINANCIAL HOLDINGS INC3 Filed as: M FINANCIAL HOLDINGS INC. | 1125 NW COUCH ST., SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $2K | $2K | 2.58% |
| GREGORY HOERNSCHEMEYER3 Filed as: GREGORY L HOERNSCHEMEYER | 4990 EAST GALBRAITH ROAD, SUITE 102 CINCINNATI, OH 45236 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $1K | $1K | 1.45% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGENCY INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $234 | — | $234 | 0.30% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC | STE 102 4990 E GALBRAITH RD CINCINNATI, OH 45236 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 15.00% |
| THOMAS CHRISTOPHER SMITH3 Filed as: THOMAS SMITH | PO BOX 6650 METAIRIE, LA 70009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $254 | $4K | 6.83% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC | STE 102 4990 EAST GALBRAITH RD CINCINNATI, OH 45236 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6K | — | $6K | 16.73% |
| THOMAS CHRISTOPHER SMITH3 Filed as: THOMAS SMITH | PO BOX 6650 METAIRIE, LA 70009 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $133 | $3K | 7.56% |
| M FINANCIAL HOLDING INC3 Filed as: M FINANCIAL HOLDING INC. | 1125 NW COUCH ST., SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $1K | $1K | 4.05% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC | STE 102 4990 E GALBRAITH RD CINCINNATI, OH 45236 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $9 | — | $9 | 18.75% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $421K |
| DELTA DENTAL OF OHIO EIN 31-0685339 BENEFIT ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $31K |
| HORAN ASSOCIATES, INC. EIN 31-1004837 BROKER | Other commissions Service code 55 | — | $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 | 779 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 779 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 564 | $94K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 779 | $541K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 779 | $456K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 779 | $377K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 659 | $994K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 779 | $571K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 779 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.