| 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 | — | $11K | $11K | 1.23% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 4990 EAST GALBRAITH RD., STE 102 CINCINNATI, OH 45236 | SYMETRA LIFE INSURANCE COMPANY | $36K | $21K | $57K | 15.75% |
| HORAN ASSOCIATES INC.3 | 4990 E. GALBRAITH ROAD STE 102 CINCINNATI, OH 45236 | COMMUNITY INSURANCE COMPANY (G1728) | — | $436 | $436 | 0.57% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC | 4990 E GALBRAITH RD STE 102 CINCINNATI, OH 45236 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 5.10% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMMUNITY INSURANCE COMPANY EIN 31-1440175 CLAIMS PROCESSOR | Other services; Float revenue; Contract Administrator; Other fees; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $493K |
| COMMUNITY INSURANCE COMPANY G1728 | Claims processing; Float revenue; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $132K |
| HORAN ASSOCIATES INC BROKER | Insurance brokerage commissions and fees; Insurance agents and brokers; Other commissions Service code 22 | 4990 E GALBRAITH RD STE 102 CINCINNATI, OH 45236 | $58K |
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 | 623 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 623 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 579 | $36K |
| Vision | COMMUNITY INSURANCE COMPANY (G1728) | 468 | $77K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 623 | $364K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 623 | $364K |
| Stop-loss / reinsurancereinsurance | COMMUNITY INSURANCE COMPANY | 580 | $857K |
| Other | SYMETRA LIFE INSURANCE COMPANY | 623 | $364K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 623 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.