| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HORAN ASSOCIATES INC.3 | 4990 E GALBRAITH ROAD STE 102 CINCINNATI, OH 45236 | COMMUNITY INSURANCE COMPANY | — | $10K | $10K | 2.33% |
| HORAN ASSOCIATES INC.3 | 4990 E. GALBRAITH ROAD STE 102 CINCINNATI, OH 45236 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14K | $6K | $20K | 21.26% |
| BENEFIT ADVISORS SVCS GRP LLC3 | 1125 SANCTUARY PKWY STE 300 ALPHARETTA, GA 30009 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $951 | $951 | 1.00% |
| HORAN ASSOCIATES INC.3 | 4990 E. GALBRAITH ROAD STE 102 CINCINNATI, OH 45236 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $5K | $13K | 16.00% |
| BENEFIT ADVISORS SVCS GRP LLC3 | 1125 SANCTUARY PKWY STE 300 ALPHARETTA, GA 30009 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $825 | $825 | 1.00% |
| HORAN ASSOCIATES INC.3 | 4990 E. GALBRAITH ROAD STE 102 CINCINNATI, OH 45236 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $5K | $13K | 16.04% |
| BENEFIT ADVISORS SVCS GRP LLC3 | 1125 SANCTUARY PKWY STE 300 ALPHARETTA, GA 30009 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $824 | $824 | 1.00% |
| HORAN ASSOCIATES INC.3 | 4990 E. GALBRAITH ROAD STE 102 CINCINNATI, OH 45236 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $4K | $12K | 16.09% |
| BENEFIT ADVISORS SVCS GRP LLC3 | 1125 SANCTUARY PKWY STE 300 ALPHARETTA, GA 30009 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $720 | $720 | 1.00% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 4990 E GALBRAITH RD STE 102 CINCINNATI, OH 45236 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $6K | — | $6K | 10.84% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMMUNITY INSURANCE COMPANY EIN 31-1440175 CLAIMS PROCESSOR | Contract Administrator; Other services; Other fees; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Claims processing Service code 12 | — | $469K |
| HORAN ASSOCIATES, INC. EIN 31-1004837 BROKER | Insurance agents and brokers; Other commissions; Insurance brokerage commissions and fees; Non-monetary compensation Service code 22 | — | $61K |
| DELTA DENTAL OF TENNESSEE EIN 62-0812197 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $47K |
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 | 1,078 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,078 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,078 | $53K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 790 | $178K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 331 | $72K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 790 | $82K |
| Stop-loss / reinsurancereinsurance | COMMUNITY INSURANCE COMPANY | 522 | $446K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 790 | $178K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,078 | — |
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.