| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HORAN ASSOCIATES INC.3 | 4990 E. GALBRAITH RD. SUITE 102 CINCINNATI, OH 45236 | PRINCIPAL LIFE INSURANCE COMPANY | $33K | $12K | $45K | 4.04% |
| PETER J MACE3 | 5775 D. GLENRIDGE DR. SUITE 350 ATLANTA, GA 30328 | KANAWHA INSURANCE COMPANY | $34K | — | $34K | 8.60% |
| TRACEY HINRICHS3 | 7182 LIBERTY CENTRE DRIVE SUITE Q WEST CHESTER, OH 452696585 | KANAWHA INSURANCE COMPANY | $222 | — | $222 | 0.06% |
| DWIGHT PIERCE- BSC3 Filed as: DWIGHT PIERCE BSC | 6001 BUSINESS BLVD. SUITE B LAKEWOOD RANCH, FL 342408410 | KANAWHA INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740045 | COMPBENEFITS INSURANCE COMPANY | $9 | — | $9 | 0.00% |
| HORAN ASSOCIATES INC.3 | 4990 E. GALBRAITH RD. SUITE 102 CINCINNATI, OH 45236 | PRINCIPAL LIFE INSURANCE COMPANY | $27K | $13K | $40K | 14.73% |
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 | 4,151 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 62 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,213 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KANAWHA INSURANCE COMPANY | 427 | $398K |
| Vision | COMPBENEFITS INSURANCE COMPANY | 2,230 | $311K |
| Life insurance(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 4,151 | $1.4M |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 4,151 | $1.1M |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 4,151 | $1.1M |
| Other(3 contracts, 2 carriers) | KANAWHA INSURANCE COMPANY | 4,597 | $407K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,597 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.