| 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 | HUMANA HEALTH PLAN OF OHIO, INC. | $41K | $4K | $45K | 3.32% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC | 4990 E GALBRAITH RD STE 102 CINCINNATI, OH 45236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $614 | $4K | 11.94% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC | 4990 E GALBRAITH RD STE 102 CINCINNATI, OH 45236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $438 | $4K | 16.89% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC | 4990 E GALBRAITH RD STE 102 CINCINNATI, OH 45236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $313 | $3K | 16.90% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC | 4990 E GALBRAITH RD STE 102 CINCINNATI, OH 45236 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 9.89% |
| ROBERT G MCGRAW INSURANCE AGENCY IN3 | 324 E FOURTH ST CINCINNATI, OH 45202 | FEDERAL INSURANCE COMPANY | $385 | $46 | $431 | 16.80% |
| HORAN ASSOCIATES INC.3 | 4990E GALBRAITH RD STE 102 CINCINNATI, OH 45236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $250 | $51 | $301 | 12.03% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HUMANADENTAL INSURANCE COMPANY EIN 39-0714280 CLAIMS PROCESSOR | Contract Administrator; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $7K |
| HORAN ASSOCIATES INC | Non-monetary compensation; Other commissions; Insurance agents and brokers; Insurance brokerage commissions and fees; Insurance services Service code 22 | — | $415 |
| HORAN ASSOCIATES, INC BROKER | Insurance brokerage commissions and fees; Non-monetary compensation; Insurance services; Insurance agents and brokers; Other commissions Service code 22 | 4990 E GALBRAITH RD STE 102 CINCINNATI, OH 45236 | $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 | 242 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 242 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN OF OHIO, INC. | 133 | $1.4M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 242 | $13K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 186 | $32K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 186 | $23K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 186 | $16K |
| Other(2 contracts, 2 carriers) | FEDERAL INSURANCE COMPANY | 242 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 242 | — |
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.