| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATION INC | 4990 E GALBRAITH RD CINCINNATI, OH 452366711 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $4K | $9K | 0.84% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATION INC | 4990 E GALBRAITH RD CINCINNATI, OH 452366711 | SYMETRA LIFE INSURANCE COMPANY | $9K | $17K | $26K | 2.86% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 Filed as: BENEFIT ADVISORS SERVICES GROUP | 1120 SANCTUARY PKWY STE 375 ALPHARETTA, GA 30009 | SYMETRA LIFE INSURANCE COMPANY | $9K | $0 | $9K | 1.00% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST STE 900 PORTLAND, OR 97209 | SYMETRA LIFE INSURANCE COMPANY | $0 | $7K | $7K | 0.75% |
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 | 2,401 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,401 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 5,034 | $1.0M |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 2,754 | $900K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 2,754 | $900K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,034 | — |
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."
No prospect flags tripped on this filing.