| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 4990 EAST GALBRAITH RD, STE 102 CINCINNATI, OH 45236 | COMMUNITY INSURANCE COMPANY | — | $4K | $4K | 0.51% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 4990 EAST GALBRAITH RD., STE 102 CINCINNATI, OH 45236 | SYMETRA LIFE INSURANCE COMPANY | $30K | $11K | $41K | 13.56% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC | 4990 E GALBRAITH RD STE 102 CINCINNATI, OH 45236 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $5K | — | $5K | 9.18% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC | 4990 E GALBRAITH RD STE 102 CINCINNATI, OH 45236 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 5.10% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMMUNITY INSURANCE COMPANY EIN 31-1440175 CLAIMS PROCESSOR | Other fees; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Contract Administrator; Claims processing; Other services Service code 12 | — | $452K |
| HORAN ASSOCIATES INC BROKER | Insurance agents and brokers; Other commissions; Insurance brokerage commissions and fees Service code 22 | 4990 E GALBRAITH RD STE 102 CINCINNATI, OH 45236 | $81K |
| COMMUNITY INSURANCE COMPANY G1728 | Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Contract Administrator; Float revenue Service code 12 | — | $73K |
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 | 559 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 559 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 539 | $29K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,037 | $55K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 596 | $300K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 596 | $300K |
| Stop-loss / reinsurancereinsurance | COMMUNITY INSURANCE COMPANY | 559 | $717K |
| Other | SYMETRA LIFE INSURANCE COMPANY | 596 | $300K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,037 | — |
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."
No prospect flags tripped on this filing.