| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOC INC. | 4990 E. GALBRAITH RD. SUITE 102 CINCINNATI, OH 45236 | HUMANA HEALTH PLAN, INC. | $69K | $2K | $71K | 12.25% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 1 WEST 4TH STREET SUITE 1300 CINCINNATI, OH 45202 | HUMANA HEALTH PLAN, INC. | -$650 | — | -$650 | -0.11% |
| HORAN ASSOCIATES INC.3 | 4990 E. GALBRAITH RD. SUITE 102 CINCINNATI, OH 45236 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $401 | $3K | 7.49% |
| HORAN ASSOCIATES INC.3 | 4990 E. GALBRAITH RD. SUITE 102 CINCINNATI, OH 45236 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $340 | $4K | 11.57% |
| HORAN ASSOCIATES INC.3 | 4990 E. GALBRAITH RD. SUITE 102 CINCINNATI, OH 45236 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $162 | $2K | 11.21% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES & HORAN SECURITIES | 4990 EAST GALBRAITH RD. SUITE 102 CINCINNATI, OH 45236 | FIDELITY SECURITY LIFE INSRUANCE COMPANY (EYEMED) | $1K | — | $1K | 9.15% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN & ASSOCIATES | 4990 E. GALBRAITH RD. CINCINNATI, OH 45236 | DENTAL CARE PLUS, INC. | $3K | — | $3K | 44.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER SKS | 1 WEST FOURTH STREET SUITE 1300 CINCINNATI, OH 45202 | DENTAL CARE PLUS, INC. | $276 | — | $276 | 3.59% |
| HORAN ASSOCIATES INC.3 | 4990 E. GALBRAITH RD. SUITE 102 CINCINNATI, OH 45236 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $223 | $65 | $288 | 9.73% |
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 | 261 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 263 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DENTAL CARE PLUS, INC. | 261 | $8K |
| Vision | FIDELITY SECURITY LIFE INSRUANCE COMPANY (EYEMED) | 261 | $16K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 236 | $20K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 236 | $42K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 236 | $36K |
| Stop-loss / reinsurancereinsurance | HUMANA HEALTH PLAN, INC. | 223 | $581K |
| Other(2 contracts, 2 carriers) | HUMANA HEALTH PLAN, INC. | 236 | $599K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 261 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.