| 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 | $62K | 2.21% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC | 4990 E GALBRAITH RD STE 102 CINCINNATI, OH 45236 | DENTAL CARE PLUS, INC. | $5K | — | $5K | 5.60% |
| HORAN ASSOCIATES INC.3 | 4990 EAST GALBRAITH ROAD SUITE 102 CINCINNATI, OH 45236 | LIFE INSURANCE CO. OF NORTH AMERICA | $4K | $1K | $6K | 12.85% |
| HORAN ASSOCIATES INC.3 | 4990 EAST GALBRAITH ROAD SUITE 102 CINCINNATI, OH 45236 | LIFE INSURANCE CO. OF NORTH AMERICA | $4K | $1K | $5K | 12.89% |
| 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 | $1K | — | $1K | 6.76% |
| HORAN ASSOCIATES INC.3 | 4990 EAST GALBRAITH ROAD SUITE 102 CINCINNATI, OH 45236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $470 | $199 | $669 | 14.25% |
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 | 375 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 375 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN OF OHIO, INC. | 210 | $2.8M |
| Dental | DENTAL CARE PLUS, INC. | 200 | $98K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 135 | $15K |
| Life insurance | LIFE INSURANCE CO. OF NORTH AMERICA | 375 | $43K |
| Long-term disability | LIFE INSURANCE CO. OF NORTH AMERICA | 293 | $39K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 327 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 375 | — |
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.