| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 4990 EAST GALBRAITH ROAD, SUITE 102 CINCINNATI, OH 45236 | MEDICAL MUTUAL | $27K | $297 | $27K | 2.90% |
| CORNERSTONE BROKER INS SERVICES3 Filed as: CORNERSTONE BROKER INS SERVICES AGE | 2101 FLORENCE AVENUE CINCINNATI, OH 45206 | MEDICAL MUTUAL | $0 | $12 | $12 | 0.00% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 4990 EAST GALBRAITH ROAD, SUITE 102 CINCINNATI, OH 45236 | DELTA DENTAL PLAN OF OHIO | $3K | $0 | $3K | 6.32% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 4990 EAST GALBRAITH ROAD, SUITE 102 CINCINNATI, OH 45236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $578 | $4K | 13.53% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 4990 EAST GALBRAITH ROAD, SUITE 102 CINCINNATI, OH 45236 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 5.41% |
| DONNA L BEYLAND3 Filed as: DONNA L. BEYLAND | 7961 WASHINGTON WOODS DRIVE CENTERVILLE, OH 45459 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $823 | $25 | $848 | 4.52% |
| PATRICIA G SPIES3 Filed as: PATRICIA G. SPIES | 600 SOUTH MARSHALL ROAD MIDDLETOWN, OH 45044 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $301 | $11 | $312 | 1.66% |
| BEYLAND CONSULTANTS INC3 Filed as: BEYLAND CONSULTANTS, INC. | 7961 WASHINGTON WOODS DRIVE CENTERVILLE, OH 45459 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $223 | $46 | $269 | 1.43% |
| MELISSA S BEYLAND3 Filed as: MELISSA S. BEYLAND | 8811 YANKEE COVE COURT CENTERVILLE, OH 45458 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $194 | $4 | $198 | 1.05% |
| NW WORKSITE MKTG CORP3 Filed as: NW WORKSITE MKTNG. AND OTHER AGENTS | 1910 INDIAN WOOD CIRCLE MAUMEE, OH 43537 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $95 | $4 | $99 | 0.53% |
| BRENDA K COX3 Filed as: BRENDA K. COX | 9661 REYNOLDS ROAD NEWARK, OH 43055 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $31 | $16 | $47 | 0.25% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 4990 EAST GALBRAITH ROAD, SUITE 102 CINCINNATI, OH 45236 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $910 | $0 | $910 | 10.04% |
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 | 129 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 129 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL | 0 | $939K |
| Dental | DELTA DENTAL PLAN OF OHIO | 120 | $53K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 129 | $9K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 129 | $48K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 41 | $19K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 129 | $29K |
| Prescription drug | MEDICAL MUTUAL | 0 | $939K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 129 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 129 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
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.