| 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 | UNITEDHEALTHCARE INSURANCE COMPANY | $17K | $0 | $17K | 2.07% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN AND ASSOCIATES, INC. | 4990 EAST GALBRAITH ROAD SUITE 102 CINCINANTI, OH 45236 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $1K | $1K | 0.15% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 8044 MONTGOMERY ROAD, SUITE 640 CINCINNATI, OH 45236 | HARTFORD LIFE AND ACCIDENT | $10K | $462 | $11K | 12.29% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 4990 EAST GALBRAITH ROAD SUITE 102 CINCINANTI, OH 45236 | HARTFORD LIFE AND ACCIDENT | $0 | $2K | $2K | 2.26% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 8044 MONTGOMERY ROAD, SUITE 640 CINCINNATI, OH 45236 | DENTAL CARE PLUS | $3K | $0 | $3K | 4.76% |
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 | 158 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 97 | $819K |
| Dental | DENTAL CARE PLUS | 167 | $56K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 97 | $819K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 158 | $89K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 158 | $89K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 97 | $819K |
| Other | HARTFORD LIFE AND ACCIDENT | 158 | $89K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 167 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.