| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES | 8044 MONTGOMERY ROAD SUITE 640 CINCINNATI, OH 45236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | — | $12K | 4.54% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES & HORAN SECURITIES | 8044 MONTGOMERY ROAD SUITE 640 CINCINNATI, OH 45236 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $662 | — | $662 | 1.52% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 8044 MONTGOMERY ROAD SUITE 640 CINCINNATI, OH 45236 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8K | — | $8K | 18.15% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $185K |
| HORAN ASSOCIATES, INC. EIN 31-1440175 BROKER | Insurance agents and brokers; Other commissions Service code 22 | — | $36K |
| DELTA DENTAL OF OHIO EIN 31-0685339 BENEFIT ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $15K |
| AETNA BEHAVIORAL HEALTH, LLC EIN 20-0446713 PLAN ADMINISTRATOR | Plan Administrator Service code 14 | — | $9K |
| URM, INC. | Claims processing Service code 12 | — | $2K |
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 | 624 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 624 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ALABAMA | 50 | $307K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 624 | $44K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 500 | $260K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 500 | $260K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 500 | $260K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ALABAMA | 50 | $307K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 332 | $501K |
| Other(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 500 | $608K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 624 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.