| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 4990 E GALBRAITH RD STE 102 CINCINNATI, OH 45236 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $11K | $11K | 4.92% |
| M FINANCIAL HOLDINGS INC3 Filed as: M FINANCIAL HOLDINGS, INC. | 1125 NW COUCH ST STE 900 PORTLAND, OR 97209 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $6K | $6K | 2.84% |
| UNITED BENEFIT ADVISORS LLC3 | 280 E 96TH ST STE 250 INDIANAPOLIS, IN 46240 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $5K | $5K | 2.29% |
| STOP LOSS INSURANCE SERVICES, INC.3 Filed as: STOP LOSS COALITION SERVICES LLC | 7632 SW DURHAM RD STE 115 TIGARD, OR 97224 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $377 | $377 | 0.17% |
| UNITED BENEFITS ADVISORS INC3 | 10 WUNSHINE LN RED LION, PA 17356 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $334 | $334 | 0.15% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC | 4990 E GALBRAITH RD STE 102 CINCINNATI, OH 45236 | HARTFORD LIFE AND ACCIDENT | $8K | $9K | $17K | 7.91% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC | 4990 E GALBRAITH RD STE 102 CINCINNATI, OH 45236 | COMPBENEFITS INSURANCE COMPANY | $3K | $618 | $4K | 11.91% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HUMANA HEALTH PLAN, INC. EIN 61-1013183 CLAIMS PROCESSOR | Contract Administrator; Claims processing Service code 12 | — | $276K |
| HORAN ASSOCIATES BROKER | Insurance agents and brokers; Insurance services Service code 22 | 4990 E GALBRAITH RD CINCINNATI, OH 45239 | $54K |
| HUMANA DENTAL INSURANCE COMPANY EIN 39-0714280 CLAIMS PROCESSOR | Contract Administrator; Claims processing Service code 12 | — | $16K |
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 | 586 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 586 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | COMPBENEFITS INSURANCE COMPANY | 188 | $32K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 586 | $217K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 586 | $217K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 295 | $226K |
| Other | HARTFORD LIFE AND ACCIDENT | 586 | $217K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 586 | — |
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.
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.