| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIAES, INC. | 4990 EAST GALBRAITH RD, STE 102 CINCINNATI, OH 45236 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $737 | $10K | 13.74% |
| SOMMER, EDWARD D3 | 300 W WILSON BRIDGE RD, STE 300 WORTHINGTON, OH 43085 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 2.32% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | STE 102 4990 EAST GALBRAITH RD CINCINNATI, OH 45236 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $515 | $5K | 8.06% |
| SOMMER, EDWARD D3 Filed as: SOMMER, EDWARD D. | 300 W WILSON BRIDGE RD STE 300 WORTHINGTON, OH 43085 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 2.60% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 4990 EAST GALBRAITH RD. STE 102 CINCINNATI, OH 45236 | VISION SERVICE PLAN | $1K | — | $1K | 4.33% |
| SOMMER, EDWARD D3 Filed as: SOMMER, EDWARD D. | 300 W WILSON BRIDGE RD, STE 300 WORTHINGTON, OH 43085 | VISION SERVICE PLAN | $138 | — | $138 | 0.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR EIN 36-4233459 CLAIMS PROCESSING | Claims processing Service code 12 | — | $216K |
| HORAN ASSOCIATES, INC. BROKER | Insurance agents and brokers Service code 22 | 4990 EAST GALBRAITH RD. STE 102 CINCINNATI, OH 45236 | $40K |
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 | 320 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 320 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 191 | $28K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 320 | $126K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 320 | $56K |
| Stop-loss / reinsurancereinsurance | ZURICH NORTH AMERICA INSURANCE COMPANY | 253 | $413K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 320 | $126K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 320 | — |
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.