| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HORAN ASSOCIATES INC.3 | 8044 MONTGOMERY ROAD SUITE 640 CINCINNATI, OH 45236 | COMMUNITY INSURANCE COMPANY (G1728) | $22K | $2K | $24K | 2.25% |
| HORAN ASSOCIATES INC.3 | 8044 MONTGOMERY ROAD SUITE 640 CINCINNATI, OH 45236 | PRINCIPAL LIFE INSURANCE COMPANY | $10K | $2K | $12K | 13.67% |
| HORAN ASSOCIATES INC.3 | 8044 MONTGOMERY ROAD SUITE 640 CINCINNATI, OH 45236 | SUPERIOR DENTAL CARE, INC. | $5K | — | $5K | 9.47% |
| ERICA LEONHARDT3 | 9000FRANCINE LANE POWELL, OH 43066 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 8.12% |
| VARIOUS3 | 123 MAIN STREET DAYTON, OH 45439 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 3.51% |
| HORAN ASSOCIATES INC.3 | 8044 MONTGOMERY ROAD SUITE 640 CINCINNATI, OH 45236 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $898 | — | $898 | 9.14% |
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 | 205 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 206 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY (G1728) | 211 | $1.1M |
| Dental | SUPERIOR DENTAL CARE, INC. | 260 | $49K |
| Vision(2 contracts, 2 carriers) | COMMUNITY INSURANCE COMPANY (G1728) | 211 | $1.1M |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 262 | $88K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 262 | $88K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 262 | $88K |
| Other | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 102 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 262 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.