| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HORAN ASSOCIATES INC.3 | 4990 E. GALBRAITH ROAD SUITE 102 CINCINNATI, OH 45236 | HUMANA HEALTH PLAN INC | $54K | $2K | $56K | 8.74% |
| HORAN ASSOCIATES INC.3 | 4990 E. GALBRAITH ROAD SUITE 102 CINCINNATI, OH 45236 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $1K | $4K | 9.64% |
| HORAN ASSOCIATES INC.3 | 4990 E. GALBRAITH ROAD SUITE 102 CINCINNATI, OH 45236 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $1K | $5K | 13.74% |
| HORAN ASSOCIATES INC.3 | 4990 E. GALBRAITH ROAD SUITE 102 CINCINNATI, OH 45236 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $764 | $5K | 17.90% |
| HORAN ASSOCIATES INC.3 | 4990 E. GALBRAITH ROAD SUITE 102 CINCINNATI, OH 45236 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $514 | $2K | 13.44% |
| HORAN ASSOCIATES INC.3 | 4990 E. GALBRAITH ROAD SUITE 102 CINCINNATI, OH 45236 | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED) | $2K | — | $2K | 10.05% |
| HORAN ASSOCIATES INC.3 | 4990 E. GALBRAITH ROAD SUITE 102 CINCINNATI, OH 45236 | DENTAL CARE PLUS, INC. | $4K | — | $4K | 47.96% |
| HORAN ASSOCIATES INC.3 | 4990 E. GALBRAITH ROAD SUITE 102 CINCINNATI, OH 45236 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $89 | $89 | 3.33% |
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 | 253 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 258 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DENTAL CARE PLUS, INC. | 251 | $7K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED) | 253 | $15K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 235 | $19K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 235 | $42K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 235 | $35K |
| Stop-loss / reinsurancereinsurance | HUMANA HEALTH PLAN INC | 226 | $643K |
| Other(3 contracts, 2 carriers) | HUMANA HEALTH PLAN INC | 235 | $686K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 253 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.