| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 4990 E GALBRAITH ROAD STE. 102 CINCINNATI, OH 45236 | SUN LIFE ASSURANCE COMPANY OF CANADA | $31K | $18K | $49K | 7.21% |
| 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 | $16K | — | $16K | 2.28% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 4990 E. GALBRAITH ROAD STE 102 CINCINNATI, OH 45236 | HARTFORD LIFE AND ACCIDENT | $50K | $32K | $82K | 25.01% |
| 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 EAST GALBRAITH RD., STE. 102 CINCINNATI, OH 45236 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $5K | — | $5K | 9.20% |
| 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 | $860 | $8K | 24.33% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 4990 E. GALBRAITH ROAD STE 102 CINCINNATI, OH 45236 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $4K | $472 | $4K | 22.23% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 4990 E GALBRAITH ROAD STE 102 CINCINNATI, OH 45236 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $3K | $325 | $3K | 22.20% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SYMMETRIA BENEFITS, LLC EIN 91-0742147 STOP/LOSS | Other commissions Service code 55 | — | $443K |
| SUN LIFE ASSURANCE CO. EIN 38-1082080 STOP/LOSS | Other commissions Service code 55 | — | $232K |
| CUSTOM DESIGN BENEFITS, LLC EIN 81-0798821 CLAIMS PROCESSING | Other commissions Service code 55 | — | $193K |
| HORAN ASSOCIATES, INC. BROKER | Other commissions Service code 55 | 4990 EAST GALBRAITH RD STE 102 CINCINNATI, OH 45206 | $59K |
| INNOVATIVE MEDICAL RISK EIN 45-4167263 PATIENT ADVOCATE | Other commissions Service code 55 | — | $19K |
| THE PHIA GROUP EIN 46-1439866 OTHER | Other commissions Service code 55 | — | $18K |
| PAYER COMPASS EIN 46-2047081 CLAIMS REPRICER | Other commissions Service code 55 | — | $13K |
| RX RESULTS EIN 26-3233073 PRESCRIPTION AUTHORIZATIO | Other commissions Service code 55 | — | $7K |
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 | 681 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 681 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DENTAL CARE PLUS, INC. | 513 | $237K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 455 | $54K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 681 | $359K |
| Short-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 681 | $341K |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 681 | $347K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 506 | $681K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 681 | $359K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 681 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.