| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HORAN ASSOCIATES INC.3 | 8044 MONTGOMERY ROAD SUITE 640 CINCINNATI, OH 45236 | COMMUNITY INSURANCE COMPANY | $65K | $4K | $69K | 2.99% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVENUE, SUITE 1500 CLEVELAND, OH 44114 | COMMUNITY INSURANCE COMPANY | — | $3K | $3K | 0.15% |
| ERC SERVICES INC3 Filed as: ERC SERVICES INC. | 387 GOLF VIEW LANE SUITE 100 HIGHLAND HEIGHTS, OH 44143 | COMMUNITY INSURANCE COMPANY | $451 | — | $451 | 0.02% |
| HORAN ASSOCIATES INC.3 | 8044 MONTGOMERY ROAD SUITE 640 CINCINNATI, OH 45236 | DELTA DENTAL OF OHIO | $12K | — | $12K | 4.95% |
| HORAN ASSOCIATES INC.3 | 8044 MONTGOMERY ROAD SUITE 640 CINCINNATI, OH 45236 | RELIASTAR LIFE INSURANCE COMPANY | $10K | — | $10K | 10.00% |
| HORAN ASSOCIATES INC.3 | 8044 MONTGOMERY ROAD SUITE 640 CINCINNATI, OH 45236 | RELIASTAR LIFE INSURANCE COMPANY | $11K | — | $11K | 12.32% |
| HORAN ASSOCIATES INC.3 | 8044 MONTGOMERY ROAD SUITE 640 CINCINNATI, OH 45236 | RELIASTAR LIFE INSURANCE COMPANY | $7K | — | $7K | 10.00% |
| HORAN ASSOCIATES INC.3 | 8044 MONTGOMERY ROAD SUITE 640 CINCINNATI, OH 45236 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 9.22% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 8044 MONTGOMERY ROAD SUITE 640 CINCINNATI, OH 45236 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $316 | — | $316 | 0.85% |
| HORAN ASSOCIATES INC.3 | 8044 MONTGOMERY ROAD SUITE 640 CINCINNATI, OH 45236 | RELIASTAR LIFE INSURANCE COMPANY | $6K | — | $6K | 20.00% |
| HORAN ASSOCIATES INC.3 | 8044 MONTGOMERY ROAD SUITE 640 CINCINNATI, OH 45236 | RELIASTAR LIFE INSURANCE COMPANY | $4K | — | $4K | 20.00% |
| HORAN ASSOCIATES INC.3 | 8044 MONTGOMERY ROAD SUITE 640 CINCINNATI, OH 45236 | RELIASTAR LIFE INSURANCE COMPANY | $4K | — | $4K | 20.00% |
| HORAN ASSOCIATES INC.3 | 8044 MONTGOMERY ROAD SUITE 640 CINCINNATI, OH 45236 | RELIASTAR LIFE INSURANCE COMPANY | $2K | — | $2K | 11.72% |
| HORAN ASSOCIATES INC.3 | 8044 MONTGOMERY ROAD SUITE 640 CINCINNATI, OH 45236 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $36 | — | $36 | 7.13% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 8044 MONTGOMERY ROAD SUITE 640 CINCINNATI, OH 45236 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $9 | — | $9 | 1.78% |
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 | 503 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 503 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 309 | $2.3M |
| Dental | DELTA DENTAL OF OHIO | 783 | $241K |
| Vision(3 contracts, 2 carriers) | COMMUNITY INSURANCE COMPANY | 714 | $2.3M |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 760 | $87K |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 503 | $96K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 503 | $72K |
| Other(5 contracts) | RELIASTAR LIFE INSURANCE COMPANY | 576 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 783 | — |
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."
No prospect flags tripped on this filing.