| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HORAN ASSOCIATES INC.3 | 4990 EAST GALBRAITH ROAD STE 102 CINCINNATI, OH 45236 | DELTA DENTAL OF OHIO | $0 | $2K | $2K | 0.39% |
| HORAN ASSOCIATES INC.3 | 4990 EAST GALBRAITH ROAD STE 102 CINCINNATI, OH 45236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $3K | $3K | 1.24% |
| HORAN ASSOCIATES INC.3 | 4990 EAST GALBRAITH ROAD STE 102 CINCINNATI, OH 45236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 1.26% |
| TRACEY HINRICHS3 | 7182 LIBERTY CENTRE DRIVE SUITE Q WEST CHESTER, OH 45069 | MANHATTAN LIFE | $4K | — | $4K | 22.68% |
| HORAN ASSOCIATES INC.3 | 4990 E. GALBRAITH ROAD STE 102 CINCINNATI, OH 45236 | MANHATTAN LIFE | $3K | — | $3K | 15.12% |
| AMERICAN INSURNET AGENCY INC3 Filed as: AMERICAN INSURNET AGENCY | 644 LINN ST., SUITE 1100 CINCINNATI, OH 452031742 | MANHATTAN LIFE | $190 | — | $190 | 0.96% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 409E. MONUMENT AVE STE 400 DAYTON, OH 454021482 | MANHATTAN LIFE | $111 | — | $111 | 0.56% |
| CLIFFORD D BELL3 | 644 LINN ST., SUITE 1100 CINCINNATI, OH 452031742 | MANHATTAN LIFE | $39 | — | $39 | 0.20% |
| THOMAS PLACKE3 Filed as: THOMAS J. PLACKE | 644 LINN ST., SUITE 1100 CINCINNATI, OH 452031742 | MANHATTAN LIFE | $11 | — | $11 | 0.06% |
| SALLY A PEARSON3 Filed as: SALLY A. PEARSON | 644 LINN ST., SUITE 1100 CINCINNATI, OH 452031742 | MANHATTAN LIFE | $3 | — | $3 | 0.02% |
| HORAN ASSOCIATES INC.3 | 4990 EAST GALBRAITH ROAD STE 102 CINCINNATI, OH 45236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $239 | $239 | 1.26% |
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 | 668 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 668 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OHIO | 589 | $458K |
| Vision | VISION SERVICE PLAN | 546 | $76K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 668 | $223K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 630 | $19K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 645 | $106K |
| Other(3 contracts, 2 carriers) | MANHATTAN LIFE | 668 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 668 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.