| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC | 4990 E GALBRAITH RD STE 102 CINCINATTI, OH 45236 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 5.77% |
| HORAN ASSOCIATES INC.3 | 4990 EAST GALBRAITH ROAD SUITE 102 CINCINNATI, OH 45236 | SUPERIOR DENTAL CARE, INC. | $4K | $3K | $7K | 10.00% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC | 4990 E GALBRAITH RD STE 102 CINCINATTI, OH 45236 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | — | $7K | 11.16% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC | 4990 E GALBRAITH RD STE 102 CINCINATTI, OH 45236 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 9.41% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 8044 MONTGOMERY ROAD SUITE 640 CINCINNATI, OH 45236 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 8.50% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC | 4990 E GALBRAITH RD STE 102 CINCINATTI, OH 45236 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
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 | 328 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 329 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUPERIOR DENTAL CARE, INC. | 197 | $70K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 301 | $22K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 328 | $99K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 328 | $86K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 54 | $12K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 328 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 328 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.