| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 4990 E GALBRAITH RD STE 102 CINCINNATI, OH 45236 | DENTAL CARE PLUS GROUP | $6K | — | $6K | 4.13% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 4990 E GALBRAITH RD STE 102 CINCINNATI, OH 45236 | COMPANION LIFE INSURANCE | $9K | — | $9K | 10.86% |
| LESLIE MILLER3 | 400 PIKE STREET, UNIT 614 CINCINNATI, OH 45202 | COMPANION LIFE INSURANCE | $5K | — | $5K | 5.44% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 4990 E GALBRAITH RD STE 102 CINCINNATI, OH 45236 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| INSURANCE ASSOCIATES PLUS, INC.3 | 100 CROWNE POINT PLACE CINCINNATI, OH 45241 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 4.81% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC | 4990 E GALBRAITH RD STE 102 CINCINNATI, OH 45236 | ANTHEM LIFE INSURANCE COMPANY | $913 | — | $913 | 11.13% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMMUNITY INSURANCE COMPANY EIN 31-1440175 CLAIMS PROCESSOR | Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Contract Administrator; Other services; Other fees; Claims processing Service code 12 | — | $262K |
| HORAN ASSOCIATES INC BROKER | Other commissions; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 4990 E GALBRAITH RD STE 102 CINCINNATI, OH 45236 | $94K |
| KEY BENEFIT ADMINISTRATORS, INC. EIN 35-1450364 CLAIMS PROCESSOR | Other services; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Claims processing; Other fees Service code 12 | — | $44K |
| AMERICAN HEALTH DATA INSTITUTE EIN 35-2048379 CONSULTANT | Consulting fees Service code 70 | — | $9K |
| LESLIE MILLER BROKER | Insurance brokerage commissions and fees; Non-monetary compensation; Insurance services; Other commissions; Insurance agents and brokers Service code 22 | 400 PIKE STREET, UNIT 614 CINCINNATI, OH 45202 | $6K |
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 | 314 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 314 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMPANION LIFE INSURANCE | 111 | $85K |
| Dental | DENTAL CARE PLUS GROUP | 303 | $147K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 314 | $28K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 161 | $8K |
| Stop-loss / reinsurancereinsurance | COMMUNITY INSURANCE COMPANY | 184 | $195K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 314 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.