| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC | 8044 MONTGOMERY ROAD, SUITE 640 CINCINNATI, OH 45236 | COMMUNITY INSURANCE COMPANY | $2K | $0 | $2K | 0.26% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC | 8044 MONTGOMERY ROAD, SUITE 640 CINCINNATI, OH 45236 | DELTA DENTAL OF OHIO | $16K | — | $16K | 4.56% |
| USI INSURANCE SERVICES LLC3 | 1 HILLCREST DR E CHARLESTON, WV 25311 | DELTA DENTAL OF OHIO | $8K | — | $8K | 2.19% |
| USI INSURANCE SERVICES LLC3 | 100 SUMMIT LAKE DRIVE, SUITE 400 VALHALLA, NY 10595 | DELTA DENTAL OF OHIO | $5K | — | $5K | 1.37% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 234662889 | RELIASTAR LIFE INSURANCE COMPANY-LI | $11K | — | $11K | 5.24% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC | 8044 MONTGOMERY ROAD, SUITE 640 CINCINNATI, OH 45236 | RELIASTAR LIFE INSURANCE COMPANY-LI | $6K | $45 | $6K | 2.92% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 234662889 | RELIASTAR LIFE INSURANCE COMPANY-LI | $5K | — | $5K | 2.43% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 8044 MONTGOMERY ROAD, SUITE 640 CINCINNATI, OH 45236 | RELIASTAR LIFE INSURANCE COMPANY-LI | $4K | $26 | $4K | 1.69% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 234662889 | RELIASTAR LIFE INSURANCE COMPANY-ADD/LTD | $8K | — | $8K | 5.22% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC | 8044 MONTGOMERY ROAD, SUITE 640 CINCINNATI, OH 45236 | RELIASTAR LIFE INSURANCE COMPANY-ADD/LTD | $4K | $30 | $4K | 2.91% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 234662889 | RELIASTAR LIFE INSURANCE COMPANY-ADD/LTD | $4K | — | $4K | 2.43% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 8044 MONTGOMERY ROAD, SUITE 640 CINCINNATI, OH 45236 | RELIASTAR LIFE INSURANCE COMPANY-ADD/LTD | $2K | $17 | $2K | 1.69% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 234662889 | RELIASTAR LIFE INSURANCE COMPANY-STD | $7K | — | $7K | 5.15% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC | 8044 MONTGOMERY ROAD, SUITE 640 CINCINNATI, OH 45236 | RELIASTAR LIFE INSURANCE COMPANY-STD | $4K | $28 | $4K | 2.95% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 234662889 | RELIASTAR LIFE INSURANCE COMPANY-STD | $3K | — | $3K | 2.38% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 8044 MONTGOMERY ROAD, SUITE 640 CINCINNATI, OH 45236 | RELIASTAR LIFE INSURANCE COMPANY-STD | $2K | $16 | $2K | 1.71% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | COMMUNITY INSURANCE COMPANY - VISION | $3K | $1K | $4K | 8.08% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMMUNITY INSURANCE COMPANY EIN 31-1440175 | Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Contract Administrator; Claims processing Service code 12 | — | $606K |
| USI INSURANCE SERVICES LLC EIN 31-1440175 | Other commissions; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 201 ALHAMBRA CIRCLE STE 801 CORAL GABLES, FL 33134 | $60K |
| HORAN ASSOCIATES INC | Insurance brokerage commissions and fees; Other commissions; Insurance agents and brokers Service code 22 | 4990 E GALBRAITH RD SUITE 102 CINCINNATI, OH 45236 | $33K |
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 | 548 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 548 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 895 | $887K |
| Dental | DELTA DENTAL OF OHIO | 899 | $357K |
| Vision | COMMUNITY INSURANCE COMPANY - VISION | 787 | $48K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY-LI | 669 | $218K |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY-STD | 414 | $133K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY-ADD/LTD | 669 | $145K |
| Prescription drug | COMMUNITY INSURANCE COMPANY | 895 | $887K |
| Stop-loss / reinsurancereinsurance | COMMUNITY INSURANCE COMPANY | 895 | $887K |
| Other | RELIASTAR LIFE INSURANCE COMPANY-ADD/LTD | 669 | $145K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 899 | — |
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.