| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC. -STEPHEN ASHE | 8044 MONTGOMERY ROAD, STE 640 CINCINNATI, OH 45236 | DELTA DENTAL OF OHIO | $5K | — | $5K | 4.73% |
| HORAN ASSOCIATES INC.3 | 8044 MONTGOMERY ROAD, STE 640 CINCINNATI, OH 45236 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 6.91% |
| PAYCOR INC3 Filed as: PAYCOR INC. | P.O. BOX 639860 CINCINNATI, OH 452639860 | STANDARD INSURANCE COMPANY | $0 | $2K | $2K | 3.50% |
| HORAN ASSOCIATES INC.3 | 8044 MONTGOMERY ROAD, STE 640 CINCINNATI, OH 45236 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 12.96% |
| PAYCOR INC3 Filed as: PAYCOR INC. | P.O. BOX 639860 CINCINNATI, OH 452639860 | STANDARD INSURANCE COMPANY | $0 | $1K | $1K | 3.49% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES & HORAN SECURITIES | 8044 MONTGOMERY ROAD, STE. 640 CINCINNATI, OH 45236 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 5.65% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 8044 MONTGOMERY ROAD, STE. 640 CINCINNATI, OH 45236 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $900 | — | $900 | 4.91% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES & HORAN SECURITIES | TOWERS OF KENWOOD CINCINNATI, OH 45236 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $165 | — | $165 | 0.90% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN | 8044 MONTGOMERY ROAD, STE 640 CINCINNATI, OH 45236 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 23.54% |
| PAYCOR INC3 Filed as: PAYCOR INC. | P.O. BOX 639860 CINCINNATI, OH 452639860 | STANDARD INSURANCE COMPANY | $0 | $637 | $637 | 3.74% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 NONE | Other services; Claims processing Service code 12 | — | $93K |
| HORAN ASSOCIATES INC. EIN 31-1004837 NONE | Other commissions Service code 55 | — | $43K |
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 | 180 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 181 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OHIO | 355 | $103K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 201 | $18K |
| Life insurance | STANDARD INSURANCE COMPANY | 220 | $66K |
| Long-term disability | STANDARD INSURANCE COMPANY | 109 | $33K |
| Stop-loss / reinsurancereinsurance | UNITED HEALTHCARE INSURANCE COMPANY | 327 | $550K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 355 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.