| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 312 ELM STREET, 24TH FLOOR CINCINNATI, OH 45202 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $23K | $25K | 2.44% |
| HORAN ASSOCIATES INC.3 | 8044 MONTGOMERY ROAD, SUITE 640 CINCINNATI, OH 45236 | UNITEDHEALTHCARE INSURANCE COMPANY | $468 | $5K | $6K | 0.53% |
| HORAN ASSOCIATES INC.3 | 4990 EAST GALBRAITH ROAD SUITE 102 CINCINANTI, OH 45236 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $240 | $240 | 0.02% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $0 | $7K | 10.49% |
| HORAN ASSOCIATES INC.3 | 4990 EAST GALBRAITH ROAD SUITE 102 CINCINANTI, VA 45236 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.09% |
| ERICA J LEONHARDT3 Filed as: ERICA J. LEONHARDT | 9000 FRANCINE LANE POWELL, OH 43065 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.44% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $379 | $0 | $379 | 3.10% |
| THOMAS W BOSTON3 Filed as: THOMAS W. BOSTON | 1275 WEST MAPLE STREET HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $89 | $0 | $89 | 0.73% |
| HORAN ASSOCIATES INC.3 | 8044 MONTGOMERY ROAD, SUITE 640 CINCINNATI, PA 45236 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $65 | $0 | $65 | 0.53% |
| ARMIN G LEONHARDT3 Filed as: ARMIN G. LEONHARDT | 9000 FRANCINE LANE POWELL, OH 43065 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $36 | $0 | $36 | 0.29% |
| USI INSURANCE SERVICES LLC3 | 312 ELM STREET, 24TH FLOOR CINCINNATI, OH 45202 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $16 | $0 | $16 | 0.13% |
| USI INSURANCE SERVICES LLC3 | 312 ELM STREET, 24TH FLOOR CINCINNATI, OH 45202 | UNITEDHEALTHCARE INSURANCE COMPANY | $661 | $0 | $661 | 9.90% |
| HORAN ASSOCIATES INC.3 | 8044 MONTGOMERY ROAD, SUITE 640 CINCINNATI, OH 45236 | UNITEDHEALTHCARE INSURANCE COMPANY | $6 | $0 | $6 | 0.09% |
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 | 120 | 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) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 174 | $1.0M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 174 | $1.0M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 76 | $7K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 120 | $71K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 120 | $71K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 120 | $71K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 174 | $1.0M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 120 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 174 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.