| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DEMORAY BENEFIT ADMINISTRATORS INC3 | 1487 COURTYARD PL CENTERVILLE, OH 45458 | STANDARD LIFE AND ACCIDENT INSURANCE COMPANY | $26K | — | $26K | 4.50% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 4990 EAST GALBRAITH RD, STE 102 CINCINNATI, OH 45236 | STANDARD LIFE AND ACCIDENT INSURANCE COMPANY | $21K | — | $21K | 3.69% |
| VODES LLC3 | 60 RHOADS CENTER DRIVE, STE A CENTERVILLE, OH 45458 | STANDARD LIFE AND ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 0.79% |
| DEMORAY BENEFIT ADMINISTRATORS INC3 Filed as: DEMORAY BENEFIT ADMINISTRATORS INC. | 1487 COURTYARD PLACE CENTERVILLE, OH 45458 | SUPERIOR DENTAL CARE, INC | $5K | — | $5K | 5.67% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 4990 GALBRAITH RD., STE. 102 CINCINNATI, OH 45236 | SUPERIOR DENTAL CARE, INC | $997 | — | $997 | 1.14% |
| DEMORAY BENEFIT ADMINISTRATORS INC3 Filed as: DEMORAY BENEFIT ADMINISTRATORS INC. | 1487 COURTYARD PL CENTERVILLE, OH 45458 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 11.50% |
| HORAN ASSOCIATES INC.3 | 4990 E GALBRAITH ROAD STE 102 CINCINNATI, OH 45236 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 3.50% |
| DEMORAY BENEFIT ADMINISTRATORS INC3 Filed as: DEMORAY BENEFIT ADMINISTRATORS INC. | 1487 COURTYARD PL CENTERVILLE, OH 45458 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 11.53% |
| HORAN ASSOCIATES INC.3 | 4990 E GALBRAITH ROAD STE 102 CINCINNATI, OH 45236 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 3.47% |
| DEMORAY BENEFIT ADMINISTRATORS INC3 Filed as: DEMORAY BENEFIT ADMINISTRATORS INC. | 1487 COURTYARD PL CENTERVILLE, OH 45458 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 11.43% |
| HORAN ASSOCIATES INC.3 | 4990 E GALBRAITH ROAD STE 102 CINCINNATI, OH 45236 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $808 | — | $808 | 3.57% |
| DEMORAY BENEFIT ADMINISTRATORS INC3 Filed as: DEMORAY BENEFIT ADMINISTRATORS INC. | 1487 COURTYARD PL CENTERVILLE, OH 45458 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 11.46% |
| HORAN ASSOCIATES INC.3 | 4990 E GALBRAITH ROAD STE 102 CINCINNATI, OH 45236 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $670 | — | $670 | 3.54% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $84K |
| CBISA REACQUISITION CORP DBA EIN 31-1768631 BROKER | Other commissions Service code 55 | — | $4K |
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 | 175 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUPERIOR DENTAL CARE, INC | 305 | $88K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 175 | $54K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 100 | $36K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 174 | $23K |
| Stop-loss / reinsurancereinsurance | STANDARD LIFE AND ACCIDENT INSURANCE COMPANY | 0 | $567K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 175 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 305 | — |
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.