| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HORAN ASSOCIATES INC.3 | 4990 EAST GALBRAITH ROAD ROAD SUITE 102 CINCINNATI, OH 45236 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | — | $8K | 5.00% |
| HORAN ASSOCIATES INC.3 | 4990 EAST GALBRAITH ROAD ROAD SUITE 102 CINCINNATI, OH 45236 | SUPERIOR DENTAL CARE | $3K | — | $3K | 3.31% |
| HORAN ASSOCIATES INC.3 | 4990 EAST GALBRAITH ROAD ROAD SUITE 102 CINCINNATI, OH 45236 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $307 | $6K | 15.77% |
| HORAN ASSOCIATES INC.3 | 4990 EAST GALBRAITH ROAD ROAD SUITE 102 CINCINNATI, OH 45236 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $317 | $6K | 15.84% |
| HORAN ASSOCIATES INC.3 | 4990 EAST GALBRAITH ROAD ROAD SUITE 102 CINCINNATI, OH 45236 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 5.35% |
| HORAN ASSOCIATES INC.3 | 4990 EAST GALBRAITH ROAD ROAD SUITE 102 CINCINNATI, OH 45236 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $199 | $4K | 17.15% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 4990 EAST GALBRAITH ROAD ROAD SUITE 102 CINCINNATI, OH 45236 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $179 | $3K | 15.86% |
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 | 213 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 214 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | SUPERIOR DENTAL CARE | 389 | $118K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 212 | $21K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 116 | $40K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 211 | $23K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 185 | $531K |
| Other(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 212 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 389 | — |
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.