| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC | 4990 E GALBRAITH ROAD STE 102 CINCINNATI, OH 45236 | COMMUNITY INSURANCE COMPANY | $66K | $11K | $77K | 12.20% |
| HORAN ASSOCIATES INC.3 | 4990 E. GALBRAITH ROAD STE 102 CINCINNATI, OH 45236 | PRINCIPAL LIFE INSURANCE COMPANY | $15K | — | $15K | 5.69% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL INC. | 315 GREEN RIDGE RD, H-1 NEW CASTLE, PA 16105 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $30K | $8K | $38K | 25.67% |
| BNYU LLC3 | 315 GREEN RIDGE ROAD, H1 NEW CASTLE, PA 16105 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 1.54% |
| LAYNE FINANCIAL INC3 | 309 WILMINGTON, STE 100 NEW CASTLE, PA 16105 | SUN LIFE ASSURANCE COMPANY OF CANADA | $23K | — | $23K | 18.61% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 4990 E GALBRAITH RD STE 102 CINCINNATI, OH 452366711 | VISION SERVICE PLAN | $2K | — | $2K | 3.16% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMMUNITY INSURANCE COMPANY EIN 31-1440175 CLAIMS PROCESSOR | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Other services; Float revenue; Claims processing Service code 12 | — | $596K |
| HORAN ASSOCIATES, INC. EIN 31-1004837 BROKER | Insurance agents and brokers; Other commissions; Insurance brokerage commissions and fees Service code 22 | — | $48K |
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 | 691 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 691 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 618 | $67K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 691 | $381K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 249 | $146K |
| Long-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 691 | $381K |
| Stop-loss / reinsurancereinsurance | COMMUNITY INSURANCE COMPANY | 636 | $631K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 691 | $122K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 691 | — |
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.
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.