| 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 | $24K | $2K | $26K | 13.48% |
| PETER J MACE3 | 5775 D. GLENRIDGE DR. SUITE 350 ATLANTA, GA 30328 | KANAWHA INSURANCE COMPANY | $29K | — | $29K | 100.00% |
| TRACEY HINRICHS3 | 7182 LIBERTY CENTRE DRIVE SUITE Q WEST CHESTER, OH 452696585 | KANAWHA INSURANCE COMPANY | $166 | — | $166 | 0.57% |
| BENTEC WORKPLACE SOLUTIONS DIV 53 | 6001 BUSINESS BLVD. SUITE B LAKEWOOD RANCH, FL 342408410 | KANAWHA INSURANCE COMPANY | $7 | — | $7 | 0.02% |
| HORAN ASSOCIATES INC.3 | 4990 E. GALBRAITH RD. SUITE 102 CINCINNATI, OH 45236 | PRINCIPAL LIFE INSURANCE COMPANY | $33K | $7K | $40K | — |
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 | 3,890 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 36 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,926 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KANAWHA INSURANCE COMPANY | 374 | $29K |
| Vision | HUMANA HEALTH PLAN, INC. | 2,322 | $268K |
| Life insurance(3 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 3,955 | $190K |
| Short-term disability(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 3,955 | $0 |
| Long-term disability(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 3,955 | $0 |
| Other(4 contracts, 3 carriers) | KANAWHA INSURANCE COMPANY | 4,800 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,800 | — |
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.