| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 4990 E GALBRAITH RD STE 102 CINCINNATI, OH 45236 | COMMUNITY INSURANCE COMPANY | $0 | $4K | $4K | 0.61% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC | 4990 E GALBRAITH RD STE 102 CINCINNATI, OH 45236 | UNION SECURITY INSURANCE COMPANY | $23K | $7K | $30K | 14.02% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC | 4990 E GALBRAITH RD STE 102 CINCINNATI, OH 45236 | DELTA DENTAL OF OHIO | $5K | — | $5K | 3.01% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC | 4990 E GALBRAITH RD STE 102 CINCINNATI, OH 45236 | VISION SERVICE PLAN | $2K | — | $2K | 4.16% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMMUNITY INSURANCE COMPANY EIN 31-1440175 CLAIMS PROCESSOR | Claims processing; Other fees; Other services; Contract Administrator; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $228K |
| EXPRESS SCRIPTS, INC. EIN 31-1714795 CLAIMS PROCESSOR | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Float revenue; Claims processing Service code 12 | — | $73K |
| HORAN ASSOCIATES INC | Insurance agents and brokers; Non-monetary compensation; Insurance brokerage commissions and fees; Other commissions Service code 22 | — | $35K |
| HORAN ASSOCIATES, INC. EIN 31-1004837 BROKER | Insurance agents and brokers; Insurance brokerage commissions and fees; Non-monetary compensation; Other commissions Service code 22 | — | $0 |
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 | 299 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 299 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OHIO | 299 | $151K |
| Vision | VISION SERVICE PLAN | 112 | $39K |
| Life insurance | UNION SECURITY INSURANCE COMPANY | 272 | $211K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 272 | $211K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 272 | $211K |
| Stop-loss / reinsurancereinsurance | COMMUNITY INSURANCE COMPANY | 202 | $602K |
| Other | UNION SECURITY INSURANCE COMPANY | 272 | $211K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 299 | — |
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."
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.