| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HORAN ASSOCIATES INC.3 Filed as: HORAN & ASSOCIATES | 4990 E. GALBRAITH ROAD CINCINNATI, OH 45236 | DENTAL CARE PLUS, INC. | $5K | — | $5K | 4.05% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 444 W 47TH STREET KANSAS CITY, MO 64112 | DENTAL CARE PLUS, INC. | $1K | — | $1K | 1.20% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES | 4990 E GALBRAITH RD, SUITE 102 CINCINNATI, OH 45236 | DELTA DENTAL OF KENTUCKY | $2K | — | $2K | 5.68% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 444 W 47TH ST, SUITE 900 KANSAS CITY, MO 64112 | DELTA DENTAL OF KENTUCKY | $117 | — | $117 | 0.28% |
| CORNERSTONE BROKER INS SERVICES3 Filed as: CORNERSTONE BROKER | 2101 FLORENCE AVE CINCINNATI, OH 45206 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 11.33% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES & HORAN SECURITIES | 4990 EAST GALBRAITH RD. SUITE 102 CINCINNATI, OH 45236 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 8.40% |
| CORNERSTONE BROKER INS SERVICES3 Filed as: CORNERSTONE BROKER | 2101 FLORENCE AVE CINCINNATI, OH 45206 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 9.19% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOC INC | ST 102 4990 EAST GALBRAITH RD CINCINNATI, OH 45236 | UNUM | $1K | $105 | $1K | 15.22% |
| LOCKTON COMPANIES, LLC3 | C/O COMMERCE BANK PO BOX 843844 KANSAS CITY, MO 641843844 | UNUM | $199 | $27 | $226 | 2.53% |
| CORNERSTONE BROKER INS SERVICES3 Filed as: CORNERSTONE BROKER | 2101 FLORENCE AVE CINCINNATI, OH 45206 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $317 | — | $317 | 12.00% |
| DENNIS R. SHIELS & ASSOCIATES INC.3 Filed as: DENNIS R SHIELS & ASSOCIATES INC | 9200 MONTOGOMERY ROAD CINCINNATI, OH 45242 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $52 | — | $52 | 2.96% |
| DONNA L BEYLAND3 | 519 WINDSOR PARK DR DAYTON, OH 45459 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $48 | — | $48 | 2.73% |
| BEYLAND CONSULTANTS INC3 | 519 WINDSOR PARK DRIVE CENTERVILLE, OH 45459 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.85% |
| MELISSA S BEYLAND3 Filed as: MELISSA BEYLAND | 8811 YANKEE COVE COURT CENTERVILLE, OH 45458 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.34% |
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 | 202 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 207 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DENTAL CARE PLUS, INC. | 315 | $158K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 367 | $25K |
| Life insurance(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 431 | $34K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 373 | $32K |
| Other(2 contracts, 2 carriers) | UNUM | 431 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 431 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.