| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC | 4990 E. GALBRAITH ROAD SUITE 102 CINCINNATI, OH 45236 | HUMANA HEALTH PLAN INC | $54K | $3K | $57K | 9.25% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC | 4990 E. GALBRAITH ROAD SUITE 102 CINCINNATI, OH 45236 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $322 | $3K | 5.57% |
| PAYCOR INC3 | PO BOX 639860 CINCINNATI, OH 45212 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 2.47% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC | 4990 E. GALBRAITH ROAD SUITE 102 CINCINNATI, OH 45236 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $232 | $4K | 10.11% |
| PAYCOR INC3 | PO BOX 639860 CINCINNATI, OH 45212 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 2.47% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC | 4990 E. GALBRAITH ROAD SUITE 102 CINCINNATI, OH 45236 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $171 | $6K | 15.48% |
| PAYCOR INC3 | PO BOX 639860 CINCINNATI, OH 45212 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $873 | $873 | 2.43% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC | 4990 E. GALBRAITH ROAD SUITE 102 CINCINNATI, OH 45236 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $97 | $2K | 10.61% |
| PAYCOR INC3 | PO BOX 639860 CINCINNATI, OH 45212 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $446 | $446 | 2.45% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES & HORAN SECURITIES | 4990 GALBRAITH ROAD SUITE 102 CINCINNATI, OH 45236 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 10.21% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC | 4990 E. GALBRAITH ROAD SUITE 102 CINCINNATI, OH 45236 | DENTAL CARE PLUS INC | $6K | — | $6K | 67.28% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC | 4990 E. GALBRAITH ROAD SUITE 102 CINCINNATI, OH 45236 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $206 | $14 | $220 | 8.01% |
| PAYCOR INC3 | PO BOX 639860 CINCINNATI, OH 45212 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $69 | $69 | 2.51% |
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 | 281 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 30 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 311 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DENTAL CARE PLUS INC | 278 | $8K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 281 | $18K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 213 | $21K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 214 | $61K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 214 | $44K |
| Stop-loss / reinsurancereinsurance | HUMANA HEALTH PLAN INC | 237 | $612K |
| Other(3 contracts, 2 carriers) | HUMANA HEALTH PLAN INC | 237 | $666K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 281 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.