| 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 | STANDARD LIFE | $41K | — | $41K | 7.10% |
| DEMORAY BENEFIT ADMINISTRATORS INC3 Filed as: DEMORAY BENEFITS SERVICES | 60 RHOADS CENTER DRIVE STE A CENTERVILLE, OH 45458 | STANDARD LIFE | $25K | — | $25K | 4.29% |
| DOUG PAUGH3 | BROWER INSURANCE AGENCY 1730 N LIMESTONE STREET SPRINGFIELD, OH 45503 | STANDARD LIFE | $14K | — | $14K | 2.43% |
| BARRON JOHN3 | 409 E MONUMENT AVE STE 400 DAYTON, OH 45402 | SUN LIFE ASSURANCE COMPANY OF CANADA | $24K | — | $24K | 8.63% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BROWER INSURANCE | 409 E MONUMENT AVE STE 400 DAYTON, OH 45402 | SUN LIFE ASSURANCE COMPANY OF CANADA | $10K | — | $10K | 3.40% |
| LAYNE FINANCIAL INC3 | 315 GREEN RIDGE RD STE H-1 NEW CASTEL, PA 16105 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | — | $6K | 2.07% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL | STE H1 315 GREEN RIDGE RD NEW CASTLE, PA 16105 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $87K | — | $87K | 59.10% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 4990 E GALBRAITH RD STE 102 CINCINNATI, OH 452366711 | VISION SERVICE PLAN | $1K | — | $1K | 1.62% |
| MARSH & MCLENNAN AGENCY LLC3 | 1730 N LIMESTONE ST SPRINGFIELD, OH 455032650 | VISION SERVICE PLAN | $1K | — | $1K | 1.45% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNDERWRITERS SERVICES CORPORATION EIN 90-0345133 NONE | Claims processing; Contract Administrator Service code 12 | — | $114K |
| NATIONAL UNION FIRE EIN 25-0687550 NONE | Claims processing; Contract Administrator Service code 12 | — | $108K |
| MMO EIN 34-0648820 NONE | Claims processing; Contract Administrator Service code 12 | — | $98K |
| HINES & ASSOCIATES EIN 36-3545085 NONE | Contract Administrator; Claims processing Service code 12 | — | $20K |
| FIRST HEALTH EIN 20-1736437 NONE | Claims processing; Contract Administrator Service code 12 | — | $11K |
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 | 656 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 656 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 619 | $70K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 656 | $283K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 656 | $283K |
| Stop-loss / reinsurancereinsurance | STANDARD LIFE | 630 | $579K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 656 | $430K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 656 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.