| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HORAN ASSOCIATES INC.3 Filed as: HORAN & ASSOCIATES | 4990 E GALBRAITH RD CINCINNATI, OH 45236 | DELTA DENTAL | $11K | — | $11K | 3.63% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 S 8TH ST MINNEAPOLIS, MN 55402 | DELTA DENTAL | $4K | — | $4K | 1.19% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES | 4990 E GALBRAITH RD 102 CINCINNATI, OH 45236 | PRINCIPAL LIFE INSURANCE COMPANY | $18K | — | $18K | 11.23% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 55402 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | — | $8K | 5.27% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 4990 EAST GALBRAITH RD. STE 102 CINCINNATI, OH 45236 | EYEMED | $4K | — | $4K | 10.00% |
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 | 827 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 832 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY OCCUPATIONAL HEALTH SVS | 482 | $10K |
| Dental | DELTA DENTAL | 723 | $301K |
| Vision | EYEMED | 672 | $41K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 569 | $161K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 569 | $161K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 569 | $161K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 569 | $161K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 723 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.