| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SCHELLER BRADFORD GROUP3 Filed as: SCHELLER BRADFORD GRP INC. | 463 OHIO PIKE STE 303 CINCINNATI, OH 45255 | HUMANA HEALTH PLAN OF OHIO, INC. | $53K | — | $53K | 3.36% |
| HORAN ASSOCIATES INC.3 | 4990 EAST GALBRAITH ROAD STE 102 CINCINNATI, OH 45236 | HUMANA HEALTH PLAN OF OHIO, INC. | $10K | — | $10K | 0.64% |
| THE SCHELLER BRADFORD GROUP3 | 463 OHIO PIKE STE 303 CINCINNATI, OH 45236 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 8.41% |
| HORAN ASSOCIATES INC.3 | 4990 EAST GALBRAITH ROAD STE 102 CINCINNATI, OH 45236 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $687 | $86 | $773 | 1.02% |
| THE SCHELLER BRADFORD GROUP3 | 463 OHIO PIKE STE 303 CINCINNATI, OH 45255 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 16.23% |
| HORAN ASSOCIATES INC.3 | 4990 EAST GALBRAITH ROAD STE 102 CINCINNATI, OH 45236 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $395 | $33 | $428 | 1.53% |
| THE SCHELLER BRADFORD GROUP3 | 463 OHIO PIKE STE 303 CINCINNATI, OH 45255 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 15.70% |
| HORAN ASSOCIATES INC.3 | 4990 EAST GALBRAITH ROAD STE 102 CINCINNATI, OH 45236 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $299 | $25 | $324 | 1.48% |
| THE SCHELLER BRADFORD GROUP3 | 463 OHIO PIKE STE 303 CINCINNATI, OH 45255 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 11.44% |
| HORAN ASSOCIATES INC.3 | 4990 EAST GALBRAITH ROAD STE 102 CINCINNATI, OH 45236 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $451 | — | $451 | 2.36% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: A MARSH & MCLENNAN AGENCY LLC | 32332 COLLECTION CENTER DRIVE CHICAGO, IL 606933021 | DENTAL CARE PLUS INC. | $3K | — | $3K | — |
| HORAN ASSOCIATES INC.3 | 4990 EAST GALBRAITH ROAD STE 102 CINCINNATI, OH 45236 | DENTAL CARE PLUS INC. | $660 | — | $660 | — |
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 | 231 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 231 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN OF OHIO, INC. | 145 | $1.6M |
| Dental | DENTAL CARE PLUS INC. | 166 | $0 |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 139 | $19K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 231 | $98K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 37 | $28K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 231 | $76K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 231 | $98K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 231 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.