| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HORAN ASSOCIATES INC.3 | 4990 EAST GALBRAITH ROAD STE 102 CINCINNATI, OH 45236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $35K | — | $35K | 9.50% |
| HORAN ASSOCIATES INC.3 | 4990 EAST GALBRAITH ROAD STE 102 CINCINNATI, OH 45236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $15K | — | $15K | 9.42% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC | 4990 E GALBRAITH RD STE 102 CINCINNATI, OH 45236 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $15K | — | $15K | 13.60% |
| HORAN ASSOCIATES INC.3 | 4990 EAST GALBRAITH ROAD, SUITE 102 CINCINNATI, OH 45236 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $14K | — | $14K | 14.11% |
| 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 | 2.43% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN SECURITIES | 4990 EAST GALBRAITH ROAD, SUITE 102 CINCINNATI, OH 45236 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $548 | $548 | 0.54% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGENCY INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $133 | — | $133 | 0.13% |
| HORAN ASSOCIATES INC.3 | 4990 EAST GALBRAITH ROAD STE 102 CINCINNATI, OH 45236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 4.79% |
| HORAN ASSOCIATES INC.3 | 4990 EAST GALBRAITH ROAD STE 102 CINCINNATI, OH 45236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | $1K | $13K | 22.54% |
| HORAN ASSOCIATES INC.3 | 4990 EAST GALBRAITH ROAD STE 102 CINCINNATI, OH 45236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $1K | $10K | 23.22% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC | STE 102 4990 EAST GALBRAITH RD CINCINNATI, OH 45236 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 4.86% |
| THOMAS CHRISTOPHER SMITH3 Filed as: THOMAS SMITH | 2928 FOSTER CREIGHTON DR. NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $726 | $21 | $747 | 2.15% |
| 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 | $0 | $28 | $28 | 0.08% |
| HORAN ASSOCIATES INC.3 | 4990 EAST GALBRAITH ROAD STE 102 CINCINNATI, OH 45236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 6.00% |
| HORAN ASSOCIATES INC.3 | 4990 EAST GALBRAITH ROAD STE 102 CINCINNATI, OH 45236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 9.39% |
| HORAN ASSOCIATES INC.3 | 4990 EAST GALBRAITH ROAD STE 102 CINCINNATI, OH 45236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $738 | — | $738 | 6.35% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC | STE 102 4990 E GALBRAITH RD CINCINNATI, OH 45236 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $573 | — | $573 | 9.69% |
| THOMAS CHRISTOPHER SMITH3 Filed as: THOMAS SMITH | 2928 FOSTER CREIGHTON DRIVE NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $246 | $17 | $263 | 4.45% |
| HORAN ASSOCIATES INC.3 | 4990 EAST GALBRAITH ROAD STE 102 CINCINNATI, OH 45236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $363 | $363 | — |
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 | 1,019 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,019 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 880 | $111K |
| Life insurance(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,019 | $218K |
| Short-term disability(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,127 | $465K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,019 | $88K |
| Other(6 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,019 | $287K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,127 | — |
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.