| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC | 4990 EAST GALBRAITH ROAD, SUITE 102 CINCINNATI, OH 45236 | PRINCIPAL LIFE INSURANCE COMPANY | $25K | $4K | $29K | 5.89% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVENUE E, SUITE 1500 CLEVELAND, OH 44114 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 0.36% |
| LAYNE FINANCIAL INC3 | 3009 WILMINGTON ROAD, SUITE 100 NEW CASTLE, PA 16105 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $18K | $6K | $24K | 24.75% |
| BNYU LLC3 | 315 GREEN RIDGE ROAD H1 NEW CASTLE, PA 16105 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $977 | $0 | $977 | 1.00% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVENUE E, SUITE 1500 CLEVELAND, OH 44114 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5 | $0 | $5 | 0.01% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC | 4990 EAST GALBRAITH ROAD, SUITE 102 CINCINNATI, OH 45236 | VISION SERVICE PLAN | $2K | $0 | $2K | 2.74% |
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 | 745 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 76 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 839 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 665 | $75K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 1,891 | $494K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 1,891 | $494K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 1,891 | $494K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 215 | $98K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,891 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.