| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SEDGWICK CLAIMS MANAGEMENT SERVICES5 | 2620 THOUSAND OAKS BLVD. MEMPHIS, TN 15233 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $482K | $482K | 10.89% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $209K | — | $209K | 4.73% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 0.05% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 8044 MONTGOMERY ROAD, SUITE 640 CINCINNATI, OH 452362950 | RELIASTAR LIFE INSURANCE COMPANY | $213K | $489 | $213K | 21.80% |
| WORKFORCE BENEFIT SOLUTIONS, LLC3 | 4875 S. SHERWOOD FOREST BLVD. SUITE D BATON ROUGE, LA 708164640 | RELIASTAR LIFE INSURANCE COMPANY | — | $39K | $39K | 4.00% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES & HORAN SECURITIES | TOWERS OF KENWOOD CINCINNATI, OH 45236 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $44K | — | $44K | 8.98% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES & HORAN SECURITIES | TOWERS OF KENWOOD CINCINNATI, OH 45236 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $37K | — | $37K | 8.97% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES & HORAN SECURITIES | TOWERS OF KENWOOD CINCINNATI, OH 45236 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $30K | — | $30K | 8.97% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES & HORAN SECURITIES | TOWERS OF KENWOOD CINCINNATI, OH 45236 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $4K | — | $4K | 9.00% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES & HORAN SECURITIES | TOWERS OF KENWOOD CINCINNATI, OH 45236 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $349 | — | $349 | 9.04% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES & HORAN SECURITIES | TOWERS OF KENWOOD CINCINNATI, OH 45236 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $287 | — | $287 | 9.44% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES & HORAN SECURITIES | TOWERS OF KENWOOD CINCINNATI, OH 45236 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $209 | — | $209 | 8.89% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES & HORAN SECURITIES | TOWERS OF KENWOOD CINCINNATI, OH 45236 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $13 | — | $13 | 7.10% |
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 | 8,072 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 51 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 8,123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(8 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 5,490 | $1.3M |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 7,614 | $4.4M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 7,614 | $4.4M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 7,614 | $4.4M |
| Other(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 10,587 | $5.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,587 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.