| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 4990 EAST GALBRAITH RD, STE 102 CINCINNATI, OH 45236 | CIGNA HEALTH AND LIFE INSURANCE CO | $4K | — | $4K | 4.94% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 4990 EAST GALBRAITH RD, STE 102 CINCINNNATI, OH 45236 | LIFE INSURANCE COMPANY OF AMERICA | $4K | $699 | $5K | 11.58% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 4990 EAST GALBRAITH RD., STE 102 CINCINNATI, OH 45236 | LIFE INSURANCE COMPANY OF AMERICA | $3K | $517 | $4K | 11.60% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 4990 EAST GALBRAITH RD. STE 102 CINCINNATI, OH 45236 | LIFE INSURANCE COMPANY OF AMERICA | $3K | $467 | $3K | 11.61% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 4990 EASST GALBRAITH RD., STE 102 CINCINNATI, OH 45236 | LIFE INSURANCE COMPANY OF AMERICA | $368 | $60 | $428 | 11.62% |
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 | 188 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 188 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE CO | 113 | $81K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 128 | $17K |
| Life insurance | LIFE INSURANCE COMPANY OF AMERICA | 188 | $44K |
| Short-term disability | LIFE INSURANCE COMPANY OF AMERICA | 132 | $29K |
| Long-term disability | LIFE INSURANCE COMPANY OF AMERICA | 97 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 188 | — |
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.