| 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. | $56K | $6K | $61K | 2.19% |
| TFG FINANCIAL GROUP BENEFITS LLC3 | 1754 E 70TH SHREVEPORT, LA 711055213 | HUMANA HEALTH PLAN OF OHIO, INC. | — | $45 | $45 | 0.00% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC | 4990 E GALBRAITH RD STE 102 CINCINNATI, OH 45236 | DENTAL CARE PLUS, INC. | $6K | — | $6K | 5.15% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 4990 EAST GALBRAITH RD STE 102 CINCINNATI, OH 45236 | HARTFORD LIFE AND ACCIDENT | $8K | $1K | $9K | 9.31% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC | 4990 E GALBRAITH RD STE 102 CINCINNATI, OH 45236 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| INSURANCE ASSOCIATES PLUS, INC.3 Filed as: INSURANCE ASSOCIATES PLUS INC | 100 CROWNE POINT PLACE CINCINNATI, OH 45241 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $684 | — | $684 | 3.78% |
| HORAN ASSOCIATES INC.3 | 4990 EAST GALBRAITH RD SUITE 102 CINCINNATI, OH 45236 | HARTFORD LIFE AND ACCIDENT | $374 | $54 | $428 | 11.44% |
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 | 287 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 287 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN OF OHIO, INC. | 208 | $2.8M |
| Dental | DENTAL CARE PLUS, INC. | 192 | $125K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 134 | $18K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 287 | $96K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 287 | $96K |
| Other(2 contracts) | HARTFORD LIFE AND ACCIDENT | 287 | $100K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 287 | — |
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.