| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOC INC. | 4990 E. GALBRAITH RD., STE. 102 CINCINNATI, OH 45236 | COMMUNITY INSURANCE COMPANY | $0 | $3K | $3K | 0.82% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC. -STEPHEN ASHE | 4990 E. GALBRAITH RD. - STE. 102 CINCINNATI, OH 45236 | DELTA DENTAL OF OHIO | $3K | — | $3K | 3.01% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES & HORAN SECURITIES | 4990 EAST GALBRAITH RD. - STE. 102 CINCINNATI, OH 45236 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 10.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMMUNITY INSURANCE COMPANY EIN 31-1440175 NONE | Claims processing; Float revenue; Contract Administrator; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $132K |
| HORAN ASSOC INC. NONE | Insurance brokerage commissions and fees; Insurance services; Other commissions; Insurance agents and brokers Service code 22 | 4990 E. GALBRAITH RD., STE. 102 CINCINNATI, OH 45236 | $24K |
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 | 165 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OHIO | 395 | $106K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 306 | $18K |
| Stop-loss / reinsurancereinsurance | COMMUNITY INSURANCE COMPANY | 216 | $367K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 395 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.