| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 4990 EAST GALBRAITH ROAD CINCINNATI, OH 45236 | COMMUNITY INSURANCE COMPANY | — | $4K | $4K | 1.98% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 4990 E GALBRAITH RD STE 102 CINCINNATI, OH 45236 | COMPANION LIFE INSURANCE | $10K | — | $10K | 9.07% |
| LESLIE MILLER3 | 400 PIKE STREET, UNIT 614 CINCINNATI, OH 45202 | COMPANION LIFE INSURANCE | $5K | — | $5K | 4.90% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC | 4990 E GALBRAITH RD STE 102 CINCINNATI, OH 45236 | DENTAL CARE PLUS GROUP | $3K | — | $3K | 2.88% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | DENTAL CARE PLUS GROUP | $716 | — | $716 | 0.69% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 4990 E GALBRAITH RD STE 102 CINCINNATI, OH 45236 | DENTAL CARE PLUS GROUP | $948 | — | $948 | 2.84% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | DENTAL CARE PLUS GROUP | $226 | — | $226 | 0.68% |
| 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 | 3.38% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMMUITY INSURANCE EIN 31-1440175 CLAIMS PROCESSOR | Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Claims processing; Contract Administrator; Other services Service code 12 | — | $202K |
| EXPRESS SCRIPTS EIN 31-1714795 PBM | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Claims processing; Other fees Service code 12 | — | $3K |
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 | 365 | 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) | 365 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMPANION LIFE INSURANCE | 68 | $110K |
| Dental(2 contracts) | DENTAL CARE PLUS GROUP | 327 | $138K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 286 | $30K |
| Stop-loss / reinsurancereinsurance | COMMUNITY INSURANCE COMPANY | 368 | $207K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 368 | — |
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.