| 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 | DELTA DENTAL OF OHIO | $6K | — | $6K | 2.43% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | DELTA DENTAL OF OHIO | $1K | — | $1K | 0.44% |
| MARSH & MCLENNAN AGENCY LLC3 | BROWER INSURANCE 409 E MONUMENT AVE, STE 400 DAYTON, OH 454021482 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $4K | $5K | 6.87% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 4990 E GALBRAITH RD STE 102 CINCINNATI, OH 45236 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 3.87% |
| MARSH & MCLENNAN AGENCY LLC3 | BROWER INSURANCE 409 E MONUMENT AVE, STE 400 DAYTON, OH 454021482 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $5K | $7K | 9.87% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 4990 E GALBRAITH RD STE 102 CINCINNATI, OH 45236 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 8.46% |
| MARSH & MCLENNAN AGENCY LLC3 | BROWER INSURANCE 409 E MONUMENT AVE, STE 400 DAYTON, OH 454021482 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $926 | $3K | $4K | 5.97% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC | 4990 E GALBRAITH RD STE 102 CINCINNATI, OH 45236 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 5.21% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 4990 E GALBRAITH RD STE 102 CINCINNATI, OH 45236 | VISION SERVICE PLAN | $1K | — | $1K | 2.65% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH MCLENNAN AGENCY COMPANY LLC | DBA BROWER INSURANCE 6279 TRI RIDGE BLVD, ST 400 LOVELAND, OH 451408320 | VISION SERVICE PLAN | $570 | — | $570 | 1.37% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED OF OMAHA LIFE INSURANCE COMP EIN 47-0322111 CLAIMS PROCESSOR | Claims processing; Contract Administrator Service code 12 | — | $6K |
| MARSH & MCLENNAN AGENCY LLC BROKER | Insurance agents and brokers Service code 22 | BROWER INSURANCE 409 E MONUMENT AVE, STE 400 DAYTON, OH 454021482 | $322 |
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 | 378 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 378 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OHIO | 361 | $245K |
| Vision | VISION SERVICE PLAN | 336 | $42K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 378 | $137K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 378 | $79K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 378 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 378 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.