| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HORAN ASSOCIATES INC.3 | 8044 MONTGOMERY ROAD SUITE 640 CINCINNATI, OH 45236 | LIFE INSURANCE CO. OF NORTH AMERICA | $18K | — | $18K | 10.87% |
| HORAN ASSOCIATES INC.3 | 8044 MONTGOMERY ROAD SUITE 640 CINCINNATI, OH 45236 | DELTA DENTAL OF OHIO | — | $382 | $382 | 0.24% |
| THOMAS FISHBACK3 | PO BOX 405 BATAVIA, OH 45103 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 3.30% |
| HORAN ASSOCIATES INC.3 | 4990 EAST GALBRAITH ROAD STE 102 CINCINNATI, OH 45237 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 3.16% |
| KRISTY J FISHBACK3 | PO BOX 405 BATAVIA, OH 45103 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 1.83% |
| RONALD J ZULLO3 Filed as: RONALD J. ZULLO | 6700 TOWERING RIDGE WAY APT 144 CINCINNATI, OH 45247 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.81% |
| BRIAN J DAY3 | 8744 UNION CENTRE BLVD WEST CHESTER, OH 45069 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.64% |
| GENESIS & ASSOCIATES LLC3 | 838 ACKLEY ROAD CINCINNATI, OH 45255 | CONTINENTAL AMERICAN INSURANCE COMPANY | $903 | — | $903 | 0.57% |
| MATTHEW D SMITH3 | 7905 TANCES DRIVE CINCINNATI, OH 45243 | CONTINENTAL AMERICAN INSURANCE COMPANY | $622 | — | $622 | 0.40% |
| MARK E CASE3 | 6821 WELLINGTON PLACE CASTLE PINES, CO 80108 | CONTINENTAL AMERICAN INSURANCE COMPANY | $602 | — | $602 | 0.38% |
| HARE AND ASSOCIATES LLC3 Filed as: HARE AND ASSOC. LLC | 7814 CRAINDOW CT DUBLIN, OH 43017 | CONTINENTAL AMERICAN INSURANCE COMPANY | $281 | — | $281 | 0.18% |
| GROVE FINANCIAL LLC3 | 4502 GLENBROOK DRIVE PALM HARBOR, FL 34683 | CONTINENTAL AMERICAN INSURANCE COMPANY | $280 | — | $280 | 0.18% |
| CHRIS D BOULDREY3 | 340 WOODHILLS DRIVE CONCORD, MI 49237 | CONTINENTAL AMERICAN INSURANCE COMPANY | $253 | — | $253 | 0.16% |
| MICHAEL D AISSEN3 | 920 HOLCOMB BRIDGE ROAD SUITE 200 ROSWELL, GA 30076 | CONTINENTAL AMERICAN INSURANCE COMPANY | $241 | — | $241 | 0.15% |
| CHRISTOPHER E BIALKA3 | 4460 BLACK OAK LANE MASON, OH 45040 | CONTINENTAL AMERICAN INSURANCE COMPANY | $218 | — | $218 | 0.14% |
| MITCHELL S SMITH3 | 5725 CHAPEL HEIGHTS LANE CINCINNATI, OH 45247 | CONTINENTAL AMERICAN INSURANCE COMPANY | $161 | — | $161 | 0.10% |
| USI INSURANCE SERVICES LLC3 | 720 PETE ROSE WAY SUITE 400 CINCINNATI, OH 45202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $137 | — | $137 | 0.09% |
| LORI ANN KNAB3 Filed as: LORI A KNAB | 3792 HUBBLE ROAD CINCINNATI, OH 45247 | CONTINENTAL AMERICAN INSURANCE COMPANY | $128 | — | $128 | 0.08% |
| SHAWN M MCDERMOTT3 | 9543 CONKLIN AVENUE CINCINNATI, OH 45242 | CONTINENTAL AMERICAN INSURANCE COMPANY | $97 | — | $97 | 0.06% |
| INGER M PENNINGTON3 | 7179 HONEYWOOD COURT CINCINNATI, OH 45230 | CONTINENTAL AMERICAN INSURANCE COMPANY | $78 | — | $78 | 0.05% |
| J GAUDET LLC3 | 11260 CHESTER RD STE 500 CINCINNATI, OH 45246 | CONTINENTAL AMERICAN INSURANCE COMPANY | $56 | — | $56 | 0.04% |
| IAN B BRANYON3 | 8744 UNION CENTRE BLVD WEST CHESTER, OH 45069 | CONTINENTAL AMERICAN INSURANCE COMPANY | $44 | — | $44 | 0.03% |
| JAMES J GRETHEL3 | 865 CEDAR DRIVE LOVELAND, OH 45140 | CONTINENTAL AMERICAN INSURANCE COMPANY | $27 | — | $27 | 0.02% |
| WILLIAM ROBERTS3 | 3749 SACHEM AVENUE CINCINNATI, OH 45226 | CONTINENTAL AMERICAN INSURANCE COMPANY | $20 | — | $20 | 0.01% |
| BRIAN J DAY3 | 8744 UNION CENTRE BLVD WEST CHESTER, OH 45069 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| HORAN ASSOCIATES INC.3 | 8044 MONTGOMERY ROAD SUITE 640 CINCINNATI, OH 45236 | LIFE INSURANCE CO. OF NORTH AMERICA | $4K | — | $4K | 3.94% |
| HORAN ASSOCIATES INC.3 | 8044 MONTGOMERY ROAD SUITE 640 CINCINNATI, OH 45236 | LIFE INSURANCE CO. OF NORTH AMERICA | $5K | — | $5K | 5.34% |
| HORAN ASSOCIATES INC.3 | 8044 MONTGOMERY ROAD SUITE 640 CINCINNATI, OH 45236 | LIFE INSURANCE CO. OF NORTH AMERICA | $2K | — | $2K | 10.86% |
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 | 518 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 519 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OHIO | 970 | $161K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 884 | $40K |
| Life insurance | LIFE INSURANCE CO. OF NORTH AMERICA | 750 | $163K |
| Short-term disability | LIFE INSURANCE CO. OF NORTH AMERICA | 455 | $104K |
| Long-term disability | LIFE INSURANCE CO. OF NORTH AMERICA | 528 | $96K |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE CO. OF NORTH AMERICA | 750 | $341K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 970 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.