| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HORAN ASSOCIATES INC.3 | 4990 E. GALBRAITH RD #102 CINCINNATI, OH 45236 | COMMUNITY INSURANCE COMPANY | $116K | $10K | $126K | 1.69% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 4990 E GALBRAITH RD #102 CINCINNATI, OH 45236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | $4K | $13K | 7.14% |
| BENEFIT ADVISORS SERVICES3 | 1120 SANCTUARY PKWY #375 ALPHARETTE, GA 30009 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 2.00% |
| HORAN ASSOCIATES INC.3 | 4990 E GALBRAITH RD #102 CINCINNATI, OH 45236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | $2K | $10K | 11.97% |
| BENEFIT ADVISORS SERVICES3 | 1120 SANCTUARY PKWY #375 ALPHARETTE, GA 30009 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 2.00% |
| HORAN ASSOCIATES INC.3 | 4990 E. GALBRAITH RD. #102 CINCINNATI, OH 45236 | COMMUNITY INSURANCE COMPANY | $8K | — | $8K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LIFE INSURANCE CO OF NORTH AMERICA EIN 23-1503749 CONTRACT ADMINISTRATOR | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Claims processing Service code 12 | — | $38K |
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 | 3,423 | Currently employed and enrolled or eligible. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 3,423 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 998 | $7.5M |
| Dental | COMMUNITY INSURANCE COMPANY | 429 | $0 |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,423 | $184K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 379 | $87K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,423 | $184K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,423 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.