| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC | 8044 MONTGOMERY ROAD STE 640 CINCINNATI, OH 45236 | DELTA DENTAL OF OHIO | $15K | — | $15K | 2.14% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATION INC | 8044 MONTGOMERY RD STE 640 CINCINNATI, OH 45236 | METROPOLITAN LIFE INSURANCE COMPANY | — | $16K | $16K | 3.76% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | 306 W ERIE ST STE 300 CHICAGO, IL 60654 | METROPOLITAN LIFE INSURANCE COMPANY | $566 | $13K | $13K | 3.17% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC | 775 YARD ST STE 200 COLUMBUS, OH 43212 | METROPOLITAN LIFE INSURANCE COMPANY | — | $6K | $6K | 1.53% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 1 PPG PL STE 1000 PITTSBURGH, PA 15222 | METROPOLITAN LIFE INSURANCE COMPANY | — | $64 | $64 | 0.02% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 1 PPG PL STE 1000 PITTSBURGH, PA 15222 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $64 | $6K | 14.35% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC | 775 YARD ST STE 200 COLUMBUS, OH 43212 | METROPOLITAN LIFE INSURANCE COMPANY | — | $342 | $342 | 0.89% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 1 PPG PL STE 1000 PITTSBURGH, PA 15222 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $64 | $4K | 14.64% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC | 775 YARD ST STE 200 COLUMBUS, OH 43212 | METROPOLITAN LIFE INSURANCE COMPANY | — | $276 | $276 | 0.90% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | 306 W ERIE ST STE 300 CHICAGO, IL 60654 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 4.83% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATION INC | 8044 MONTGOMERY RD STE 640 CINCINNATI, OH 45236 | METROPOLITAN LIFE INSURANCE COMPANY | — | $817 | $817 | 3.16% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC | 775 YARD ST STE 200 COLUMBUS, OH 43212 | METROPOLITAN LIFE INSURANCE COMPANY | — | $414 | $414 | 1.60% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 1 PPG PL STE 1000 PITTSBURGH, PA 15222 | METROPOLITAN LIFE INSURANCE COMPANY | — | $64 | $64 | 0.25% |
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 | 1,312 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 67 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,379 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HAWAII MEDICAL SERVICES ASSOCIATION | 151 | $740K |
| Dental | DELTA DENTAL OF OHIO | 2,244 | $700K |
| Vision | VISION SERVICE PLAN | 1,142 | $122K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 977 | $421K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 977 | $421K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 977 | $421K |
| Prescription drug | HAWAII MEDICAL SERVICES ASSOCIATION | 151 | $740K |
| Other(5 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 977 | $522K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,244 | — |
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.