| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOC INC | 8044 MONTGOMERY ROAD SUITE 640 CINCINATTI, OH 45236 | HUMANA HEALTH PLAN, INC. | $33K | $6K | $38K | 3.48% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOC INC | 8044 MONTGOMERY ROAD SUITE 640 CINCINATTI, OH 45236 | ANTHEM LIFE INSURANCE COMPANY | $8K | $594 | $9K | 14.43% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOC INC | 8044 MONTGOMERY ROAD SUITE 640 CINCINATTI, OH 45236 | SUPERIOR DENTAL CARE, INC. | $6K | $0 | $6K | 17.93% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOC INC | 8044 MONTGOMERY ROAD SUITE 640 CINCINATTI, OH 45236 | THE DENTAL CONCERN, INC. | $1K | $134 | $1K | 10.39% |
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 | 224 | 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) | 224 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN, INC. | 121 | $1.1M |
| Dental | SUPERIOR DENTAL CARE, INC. | 240 | $31K |
| Vision | THE DENTAL CONCERN, INC. | 113 | $13K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 220 | $62K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 220 | $62K |
| Other | ANTHEM LIFE INSURANCE COMPANY | 220 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 240 | — |
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.