| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HORAN ASSOCIATES INC.3 | 4990 E GALBRAITH ROAD STE 102 CINCINNATI, OH 45236 | COMMUNITY INSURANCE COMPANY | $78K | $1 | $78K | 5.36% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVENUE SUITE 1500 CLEVELAND, OH 44114 | COMMUNITY INSURANCE COMPANY | $21K | $22K | $43K | 2.93% |
| HORAN ASSOCIATES INC.3 | 4990 E GALBRAITH ROAD STE 102 CINCINNATI, OH 45236 | PRINCIPAL LIFE INSURANCE COMPANY | $20K | $2K | $22K | 11.50% |
| HORAN ASSOCIATES INC.3 | 4990 EAST GALBRAITH ROAD STE 102 CINCINNATI, OH 45236 | COMMUNITY INSURANCE COMPANY | $5K | — | $5K | 5.00% |
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 | 284 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 284 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 229 | $1.5M |
| Dental | COMMUNITY INSURANCE COMPANY | 236 | $106K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 284 | $190K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 284 | $190K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 284 | $190K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 284 | $190K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 284 | $190K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 284 | — |
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.