| 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 | COMMUNITY INSURANCE COMPANY | $45K | $2K | $46K | 4.74% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 4990 EAST GALBRAITH ROAD, SUITE 102 CINCINNATI, OH 45236 | GEISINGER HEALTH PLAN | $9K | $15 | $9K | 3.54% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES | 4990 EAST GALBRAITH ROAD CINCINNATI, OH 45236 | COMPANION LIFE INSURANCE | $18K | — | $18K | 9.68% |
| LESLIE MILLER3 | 400 PIKE STREET, UNIT 614 CINCINNATI, OH 45202 | COMPANION LIFE INSURANCE | $9K | — | $9K | 4.84% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 4990 EAST GALBRAITH ROAD, SUITE 102 CINCINNATI, OH 45236 | SUN LIFE ASSURANCE COMPANY OF CANADA | $11K | $4K | $14K | 10.17% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 811 MADISON AVENUE TOLEDO, OH 43604 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 1.27% |
| M FINANCIAL HOLDINGS INC3 Filed as: M FINANCIAL HOLDINGS, INC. | 1125 NW COUCH STREET, SUITE 900 PORTLAND, OR 97209 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $2K | $2K | 1.17% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 811 MADISON AVENUE TOLEDO, OH 43624 | GEISINGER HEALTH PLAN | $1K | $15 | $1K | 3.31% |
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 | 542 | 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) | 542 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | COMMUNITY INSURANCE COMPANY | 780 | $1.5M |
| Dental | COMMUNITY INSURANCE COMPANY | 780 | $980K |
| Vision | COMMUNITY INSURANCE COMPANY | 780 | $980K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 143 | $139K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 143 | $139K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 143 | $139K |
| Prescription drug(4 contracts, 3 carriers) | COMMUNITY INSURANCE COMPANY | 780 | $1.5M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 143 | $139K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 780 | — |
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.