| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HORAN ASSOCIATES INC.3 | 8044 MONTGOMERY ROAD SUITE 640 CINCINNATI, OH 45236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $21K | $3K | $23K | 16.68% |
| BENEFIT ADVISORS SERVICES3 | 1120 SACTUARY PKWAY STE 375 ALPHARETTA, GA 30009 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 1.00% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC | 8044 MONTGOMERY ROAD SUITE 640 CINCINNATI, OH 45236 | VISION SERVICE PLAN | $2K | — | $2K | 2.71% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 8044 MONTGOMERY ROAD SUITE 640 CINCINNATI, OH 45236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | $2K | $13K | 16.74% |
| BENEFIT ADVISORS SERVICES3 | 1125 SANCTUARY PKWAY STE 300 ALPHARETTA, GA 30009 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $804 | — | $804 | 1.00% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC | 8044 MONTGOMERY ROAD SUITE 640 CINCINNATI, OH 45236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | $2K | $14K | 18.02% |
| BENEFIT ADVISORS SERVICES3 | 1120 SANCTUARY PKWAY STE 375 ALPHARETTA, GA 30009 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $774 | — | $774 | 1.00% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC | 8044 MONTGOMERY ROAD SUITE 640 CINCINNATI, OH 45236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $285 | $2K | 16.86% |
| BENEFIT ADVISORS SERVICES3 | 1120 SACTUARY PKWAY STE 375 ALPHARETTA, GA 30009 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $112 | — | $112 | 1.00% |
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 | 772 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 25 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 797 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 564 | $91K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 776 | $158K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 776 | $141K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 915 | $92K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 915 | — |
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.