| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATION, INC. | 8044 MONTGOMERY ROAD, SUITE 640 CINCINNATI, OH 45236 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $0 | $5K | 2.44% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $306 | $0 | $306 | 0.15% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 8044 MONTGOMERY ROAD, SUITE 640 CINCINNATI, OH 45236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | $0 | $9K | 6.02% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATION, INC. | 8044 MONTGOMERY ROAD CINCINNATI, OH 45236 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $2K | $0 | $2K | 6.99% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 8044 MONTGOMERY ROAD, SUITE 640 CINCINNATI, OH 45236 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $517 | $0 | $517 | 1.69% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 8044 MONTGOMERY ROAD, SUITE 640 CINCINNATI, OH 45236 | CONTINENTAL AMERICAN INSURANCE COMPANY | $744 | $0 | $744 | 4.70% |
| NICOLE S. MCDONALD3 | 6619 MERWIN AVENUE CINCINNATI, OH 45227 | CONTINENTAL AMERICAN INSURANCE COMPANY | $293 | $0 | $293 | 1.85% |
| VINTON ROLAND FIORINI3 Filed as: VINTON R. FIORINI | 6430 CADDIES WAY MASON, OH 45040 | CONTINENTAL AMERICAN INSURANCE COMPANY | $276 | $0 | $276 | 1.74% |
| CHRIS BIALKA3 | 11260 CHESTER ROAD CINCINNATI, OH 45246 | CONTINENTAL AMERICAN INSURANCE COMPANY | $164 | $0 | $164 | 1.04% |
| GENESIS & ASSOCIATES LLC3 Filed as: GENESIS & ASS. LLC AND OTHER AGENTS | 838 ACKLEY ROAD CINCINNATI, OH 45255 | CONTINENTAL AMERICAN INSURANCE COMPANY | $153 | $0 | $153 | 0.97% |
| USI INSURANCE SERVICES LLC3 | 320 FEDERAL STREET BLUEFIELD, WV 24701 | CONTINENTAL AMERICAN INSURANCE COMPANY | $108 | $0 | $108 | 0.68% |
| CHAD RICHARDSON3 Filed as: CHAD J. RICHARDSON | 9756 BERRY HILL DRIVE CINCINNATI, OH 45241 | CONTINENTAL AMERICAN INSURANCE COMPANY | $102 | $0 | $102 | 0.64% |
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 | 300 | 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) | 300 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 719 | $199K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 559 | $31K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 300 | $145K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 300 | $145K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 300 | $145K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 300 | $160K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 719 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.