| 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 | $16K | $16K | 4.19% |
| UNITED BENEFIT ADVISORS LLC3 | 20 N WACKER DR, STE 500 CHICAGO, IL 60606 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $8K | $8K | 2.09% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC | 4990 E GALBRAITH RD STE 102 CINCINNATI, OH 45236 | HARTFORD LIFE AND ACCIDENT | $7K | $4K | $11K | 7.19% |
| HORAN ASSOCIATES INC.3 | 4990 E. GALBRAITH ROAD STE 102 CINCINNATI, OH 45236 | EYEMED | $3K | — | $3K | 11.43% |
| HORAN ASSOCIATES INC.3 | 4990 E. GALBRAITH ROAD STE 102 CINCINNATI, OH 45236 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | $255 | $2K | 15.28% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HUMANA HEALTH PLAN, INC. EIN 61-1013183 CLAIMS PROCESSOR | Claims processing; Contract Administrator Service code 12 | — | $228K |
| HORAN ASSOCIATES BROKER | Insurance services; Insurance agents and brokers Service code 22 | 4990 E GALBRAITH RD CINCINNATI, OH 45239 | $64K |
| HUMANA DENTAL INSURANCE COMPANY EIN 39-0714280 CLAIMS PROCESSOR | Claims processing; Contract Administrator 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 | 293 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 293 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED | 149 | $23K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 293 | $151K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 293 | $151K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 264 | $385K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 293 | $165K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 293 | — |
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.