| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HORAN ASSOCIATES INC. Filed as: HORAN ASSOC INC | 4900 E GALBRAITH ROAD STE 102 CINCINNATI, OH 45236 | UNION SECURITY INSURANCE COMPANY | $37K | $7K | $45K | 18.77% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOC INC | 4900 E GALBRAITH ROAD STE 102 CINCINNATI, OH 45236 | DELTA DENTAL OF OHIO | $14K | — | $14K | 7.54% |
| ASSUREDPARTNERS3 Filed as: LINDA N SHEPHERD | 7463 BRIDGE POINT PASS CINCINNATI, OH 45248 | AFLAC | $1K | $127 | $1K | 3.08% |
| CORNERSTONE BENEFITS LLC3 Filed as: CORNERSTONE INSURANCE | 9200 MONTGOMERY ROAD BLDG E STE 17B CINCINNATI, OH 45242 | AFLAC | $1K | — | $1K | 2.58% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOC & HORAN SECURITIES | 4900 E GALBRAITH ROAD STE 102 CINCINNATI, OH 45236 | AFLAC | $451 | — | $451 | 1.09% |
| CAROL MULLEN3 Filed as: CAROL A MULLEN | 1708 MOUNT VERNON DRIVE COVINGTON, KY 41011 | AFLAC | $406 | — | $406 | 0.98% |
| BRIAN J DAY3 | 8744 UNION CENTRE BLVD WEST CHESTER, OH 45069 | AFLAC | $319 | $25 | $344 | 0.83% |
| RONALD J GRETHEL3 | 648 HANNA AVENUE LOVELAND, OH 45140 | AFLAC | $317 | $18 | $335 | 0.81% |
| THOMAS S GENTZ3 | 3848 CHERRY BROOK LANE MASON, OH 45040 | AFLAC | $283 | $8 | $291 | 0.70% |
| MICHAEL E MCCARTHY3 | PO BOX 1047 DUNDEE, IL 60118 | AFLAC | $239 | $8 | $247 | 0.60% |
| RUTH WOLFANGEL3 | 8034 WITTS MILL LANE CINCINNATI, OH 45255 | AFLAC | $230 | — | $230 | 0.55% |
| JAMES J GRETHEL3 | 865 CEDAR DRIVE LOVELAND, OH 45140 | AFLAC | $182 | $18 | $200 | 0.48% |
| MICHAEL D MOORE3 | 18705 E 200TH STREET BLANDINSVILLE, IL 61420 | AFLAC | $134 | — | $134 | 0.32% |
| RONALD C GRETHEL3 | 28044 CAVENDISH COURT #5803 BONITA SPRINGS, FL 34135 | AFLAC | $122 | — | $122 | 0.29% |
| DENNIS R. SHIELS & ASSOCIATES INC.3 Filed as: DENNIS R SHIELS | 9200 MONTGOMERY ROAD BLDG E STE 17B CINCINNATI, OH 45242 | AFLAC | $96 | — | $96 | 0.23% |
| DEBRA HENDRICKSON3 Filed as: DEBRA L HENDRICKSON | 17 RIDGE WOOD DRIVE MONROE, OH 45050 | AFLAC | $76 | — | $76 | 0.18% |
| MARY ANN WILLIAMS3 | 6661 KUGLER MILL ROAD CINCINNATI, OH 45236 | AFLAC | $69 | — | $69 | 0.17% |
| QUINN, MEYER & ASSOCIATES3 | 10800 WINCHCOMBE DRIVE DUBLIN, OH 43016 | AFLAC | $67 | — | $67 | 0.16% |
| CORNERSTONE BENEFITS LLC Filed as: CORNERSTONE INSURANCE | 9200 MONTGOMERY ROAD BLDG E STE 17B CINCINNATI, OH 45242 | AFLAC | $46 | — | $46 | 0.11% |
| BRIAN J DAY3 | 8744 UNION CENTRE BLVD WEST CHESTER, OH 45069 | AFLAC | $33 | — | $33 | 0.08% |
| MICHAEL S MOORE3 | 2630 E COUNTY ROAD 1300 CARTHAGE, IL 62321 | AFLAC | $31 | — | $31 | 0.07% |
| STACEY M LAND3 | 51 SPRINGHOUSE DRIVE COLD SPRING, KY 41076 | AFLAC | $27 | — | $27 | 0.07% |
| ROBERT TABARY3 | 3000 JULY STREET APT 1108 BATON ROUGE, LA 70808 | AFLAC | $13 | $13 | $26 | 0.06% |
| CARLA CARR3 Filed as: CARLA R CARR | PO BOX 176603 FORT MITCHELL, KY 41017 | AFLAC | $22 | — | $22 | 0.05% |
| MICHAEL J QUINN3 | 8580 MAJORCA LANE NAPLES, FL 34114 | AFLAC | $21 | — | $21 | 0.05% |
| NANCY DUKE3 | 1206 GENERAL GEORGE PATTON ROAD NASHVILLE, TN 37221 | AFLAC | $20 | — | $20 | 0.05% |
| DONOVAN E SCOTT3 | 491 VISTA GLEN DRIVE CINCINNATI, OH 45246 | AFLAC | $20 | — | $20 | 0.05% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: JOHN T MERCER | 6813 S JUANITA STREET UNIT A TAMPA, FL 33616 | AFLAC | $18 | — | $18 | 0.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: ELDON R GALLAHER | 704 E 1900TH STREET LIBERTY, IL 62347 | AFLAC | $16 | — | $16 | 0.04% |
| CHRISTOPHER J BAYER3 | 127 N CHERRY STREET GALESBURG, IL 61401 | AFLAC | $15 | — | $15 | 0.04% |
| RAYMOND WYLIE3 Filed as: RAYMOND M WYLIE | 10734 ERIN VALE AVENUE BATON ROUGE, LA 70810 | AFLAC | $12 | $3 | $15 | 0.04% |
| NOLAN DOYLE MCCUE3 | 541 N MOUNT JULIET ROAD, STE 2201A MOUNT JULIET, TN 37122 | AFLAC | $11 | — | $11 | 0.03% |
| ROGER JONES II3 Filed as: ROGER DALE JONES II | PO BOX 3694, STE 202 HUMBLE, TX 77347 | AFLAC | $7 | $3 | $10 | 0.02% |
| ROCKY B CUNNINGHAM JR3 | PO BOX 84478 BATON ROUGE, LA 70884 | AFLAC | $6 | $3 | $9 | 0.02% |
| LINDA A STRANSKY3 | 7579 FAWNMEADOW LANE CINCINNATI, OH 45241 | AFLAC | $7 | — | $7 | 0.02% |
| KANDI M MCINTYRE3 | 2000 MALLORY LANE, STE 130-378 FRANKLIN, TN 37067 | AFLAC | $5 | — | $5 | 0.01% |
| CFC BENEFITS GROUP, LLC3 Filed as: CFC BENEFITS INC. | 5112 SANDY LANE FAIRFIELD, OH 45014 | AFLAC | $4 | — | $4 | 0.01% |
| KERRY R PICKARD3 | 8534 N OVERLAND DRIVE KANSAS CITY, MO 64154 | AFLAC | $4 | — | $4 | 0.01% |
| MICHAEL A ORTIZ3 | 3433 VOLTAIRE LANE ST CHARLES, IL 60175 | AFLAC | $4 | — | $4 | 0.01% |
| DONNA M HARPSOE3 | 7649 LEGENDARY LANE WEST CHESTER, OH 45069 | AFLAC | $2 | — | $2 | 0.00% |
| BRENT L GOODE3 | 2000 GLEN ECHO ROAD, STE 204 NASHVILLE, TN 37215 | AFLAC | $2 | — | $2 | 0.00% |
| TERRY J SILVERS3 | 100 GREENLEAF DRIVE FLAT ROCK, NC 28731 | AFLAC | $1 | — | $1 | 0.00% |
| ASSUREDPARTNERS3 Filed as: LINDA N SHEPHERD | 3826 GLENMORE AVENUE CINCINNATI, OH 45211 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 5.03% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOC & HORAN SECURITIES | 4900 E GALBRAITH ROAD STE 102 CINCINNATI, OH 45236 | CONTINENTAL AMERICAN INSURANCE COMPANY | $788 | — | $788 | 2.69% |
| THOMAS S GENTZ3 | 3848 CHERRY BROOK LANE MASON, OH 45040 | CONTINENTAL AMERICAN INSURANCE COMPANY | $732 | — | $732 | 2.50% |
| MICHAEL E MCCARTHY3 | PO BOX 1047 DUNDEE, IL 60118 | CONTINENTAL AMERICAN INSURANCE COMPANY | $484 | — | $484 | 1.65% |
| CORNERSTONE BENEFITS LLC3 Filed as: CORNERSTONE INSURANCE | 9200 MONTGOMERY ROAD BLDG E STE 17B CINCINNATI, OH 45242 | CONTINENTAL AMERICAN INSURANCE COMPANY | $442 | — | $442 | 1.51% |
| THOMAS S GENTZ3 | 3848 CHERRY BROOK LANE MASON, OH 45040 | CONTINENTAL AMERICAN INSURANCE COMPANY | $243 | — | $243 | 0.83% |
| BRIAN J DAY3 | 8744 UNION CENTRE BLVD WEST CHESTER, OH 45069 | CONTINENTAL AMERICAN INSURANCE COMPANY | $165 | — | $165 | 0.56% |
| BRIAN J DAY3 | 8744 UNION CENTRE BLVD WEST CHESTER, OH 45069 | CONTINENTAL AMERICAN INSURANCE COMPANY | $102 | — | $102 | 0.35% |
| IAN B BRANYON3 | 8744 UNION CENTRE BLVD WEST CHESTER, OH 45069 | CONTINENTAL AMERICAN INSURANCE COMPANY | $29 | — | $29 | 0.10% |
| RONALD J GRETHEL3 | 648 HANNA AVENUE LOVELAND, OH 45140 | CONTINENTAL AMERICAN INSURANCE COMPANY | $29 | — | $29 | 0.10% |
| CHRISTOPHER E BIALKA3 | 4460 BLACK OAK LANE MASON, OH 45040 | CONTINENTAL AMERICAN INSURANCE COMPANY | $26 | — | $26 | 0.09% |
| CHRIS D BOULDREY3 | 340 WOOD HILLS DRIVE CONCORD, MI 49237 | CONTINENTAL AMERICAN INSURANCE COMPANY | $24 | — | $24 | 0.08% |
| WILLIAM ROBERTS3 | 3749 SACHEM AVENUE CINCINNATI, OH 45226 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17 | — | $17 | 0.06% |
| SHAWN M MCDERMOTT3 | 9543 CONKLIN AVENUE CINCINNATI, OH 45242 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17 | — | $17 | 0.06% |
| INGER M PENNINGTON3 | 1108 BROOKE AVENUE CINCINNATI, OH 45230 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14 | — | $14 | 0.05% |
| INGER M PENNINGTON3 | 1108 BROOKE AVENUE CINCINNATI, OH 45230 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.02% |
| TERESA M ANTHONY3 | 3778 RIVERSIDE DRIVE MASON, OH 45040 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.02% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOC & HORAN SECURITIES | 4900 E GALBRAITH ROAD STE 102 CINCINNATI, OH 45236 | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED VISION CARE) | $5K | — | $5K | 16.32% |
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 | 280 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 12 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 298 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OHIO | 572 | $187K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED VISION CARE) | 419 | $29K |
| Life insurance | UNION SECURITY INSURANCE COMPANY | 254 | $239K |
| Short-term disability(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 254 | $280K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 254 | $239K |
| Other(2 contracts, 2 carriers) | AFLAC | 80 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 572 | — |
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.