| 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. | $10K | — | $10K | 1.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HUMANA HEALTH PLAN OF OHIO, INC. | -$42 | — | -$42 | -0.00% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 4990 E GALBRAITH ROAD STE. 102 CINCINNATI, OH 45236 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $22K | $22K | 4.41% |
| UNITED BENEFIT ADVISORS LLC3 Filed as: UNITED BENEFIT ADVISORS, LLC | 20 N WACKER DRIVE STE. 500 CHICAGO, IL 60606 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $11K | $11K | 2.20% |
| THOMAS PLACKE3 | 644 LINN ST STE 1100 CINCINNATI, OH 45203 | DENTAL CARE PLUS, INC. | — | — | $0 | 0.00% |
| SALLY A PEARSON3 Filed as: SALLY PEARSON | 644 LINN ST STE 1100 CINCINNATI, OH 45203 | DENTAL CARE PLUS, INC. | — | — | $0 | 0.00% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 4990 E GALBRAITH ROAD STE. 102 CINCINNATI, OH 45236 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $7K | $1K | $8K | 6.95% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $3K | $715 | $3K | 2.99% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 4990 E GALBRAITH ROAD STE. 102 CINCINNATI, OH 45236 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $11K | $2K | $14K | 12.95% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $5K | $1K | $6K | 5.68% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 4990 E GALBRAITH ROAD STE. 102 CINCINNATI, OH 45236 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $5K | $907 | $5K | 6.97% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $2K | $486 | $2K | 2.96% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 4990 EAST GALBRAITH RD., STE. 102 CINCINNATI, OH 45236 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $336 | — | $336 | 0.82% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HORAN ASSOCIATES, INC. BROKER | Other commissions Service code 55 | 4990 EAST GALBRAITH RD STE 102 CINCINNATI, OH 45206 | $43K |
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 | 664 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 664 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN OF OHIO, INC. | 470 | $969K |
| Dental | DENTAL CARE PLUS, INC. | 478 | $217K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 678 | $41K |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 664 | $105K |
| Short-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 664 | $78K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 664 | $113K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 506 | $508K |
| Other | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 664 | $105K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 678 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.