| 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 | COMMUNITY INSURANCE COMPANY | $42K | $1K | $43K | 2.44% |
| BENEFITS NETWORK INSURANCE AGENCY3 Filed as: BENEFITS NETWORK INS AGENCY | 4555 LAKE FOREST DR., STE 510 CINCINNATI, OH 45242 | COMMUNITY INSURANCE COMPANY | — | $260 | $260 | 0.01% |
| YOUR PEOPLE INC3 Filed as: YOUR PEOPLE INC. | 3030 2ND STREET STE 401 SAN FRANCISCO, CA 94107 | COMMUNITY INSURANCE COMPANY | $60 | — | $60 | 0.00% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 4990 E GALBRAITH RD STE 102 CINCINNATI, OH 45236 | PRINCIPAL LIFE INSURANCE COMPANY | $11K | $3K | $14K | 15.62% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 4990 E GALBRAITH RD STE 102 CINCINNATI, OH 45236 | DENTAL CARE PLUS, INC. | $4K | — | $4K | 6.04% |
| SOMMER, EDWARD D3 Filed as: SOMMER, EDWARD D.A. - BOR | 300 WEST WILSON BRIDGE ROAD WORTHINGTON, OH 43085 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 7.24% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 4990 E GALBRAITH RD STE 102 CINCINNATI, OH 45236 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $468 | — | $468 | 2.55% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 4990 E GALBRAITH RD STE 102 CINCINNATI, OH 45236 | DENTAL CARE PLUS, INC. | $663 | — | $663 | 5.99% |
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 | 317 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 317 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 208 | $1.8M |
| Dental(2 contracts) | DENTAL CARE PLUS, INC. | 147 | $79K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 305 | $18K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 317 | $93K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 317 | $93K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 317 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.