| 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 | SYMETRA LIFE INSURANCE COMPANY | $9K | $21K | $30K | 3.23% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 Filed as: BENEFIT ADVISORS SERVICES GROUP | 1120 SANCTUARY PKWY STE 375 ALPHARETTA, GA 30009 | SYMETRA LIFE INSURANCE COMPANY | $9K | — | $9K | 1.00% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST STE 900 PORTLAND, OR 97209 | SYMETRA LIFE INSURANCE COMPANY | — | $9K | $9K | 0.96% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATION INC | 4990 E GALBRAITH RD CINCINNATI, OH 452366711 | SYMETRA LIFE INSURANCE COMPANY | $984 | $2K | $3K | 3.23% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 Filed as: BENEFIT ADVISORS SERVICES GROUP | 1120 SANCTUARY PKWY STE 375 ALPHARETTA, GA 30009 | SYMETRA LIFE INSURANCE COMPANY | $984 | — | $984 | 1.00% |
| M FINANCIAL HOLDINGS INC3 | 1120 SANCTUARY PKWY STE 375 PORTLAND, OR 97209 | SYMETRA LIFE INSURANCE COMPANY | — | $949 | $949 | 0.96% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DELTA DENTAL OF OHIO EIN 31-0685339 BENEFIT ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | 5600 BLAZER PARKWAY, SUITE 150 DUBLIN, OH 43017 | $100K |
| HORAN ASSOCIATES, INC. EIN 31-1004837 AGENT/AGENCY | Insurance agents and brokers Service code 22 | 4990 E. GALBRAITH RD. CINCINNATI, OH 45236 | $5K |
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 | 2,637 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,637 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 0 | $864 |
| Life insurance(2 contracts) | SYMETRA LIFE INSURANCE COMPANY | 3,062 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,062 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.