| 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 | COMMUNITY INSURANCE COMPANY | $34K | $2K | $36K | 2.66% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | P O BOX 66119 VIRGINIA BEACH, VA 23466 | COMMUNITY INSURANCE COMPANY | — | $1 | $1 | 0.00% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC., STEPHEN ASHE | 8044 MONTGOMERY ROAD, STE 640 CINCINNATI, OH 45236 | DELTA DENTAL OF OHIO | $10K | — | $10K | 9.95% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 8044 MONTGOMERY RD. STE. 640 CINCINNATI, OH 45236 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 8.73% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 8044 MONTGOMERY RD. STE 640 CINCINNATI, OH 45236 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 6.27% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH, LLC | 325 N KIRKWOOD RD. STE. 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 5.00% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 8044 MONTGOMERY RD. STE. 640 CINCINNATI, OH 45236 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 8.78% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 8044 MONTGOMERY RD. STE. 640 CINCINNATI, OH 45236 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 6.22% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH, LLC | 325 N KIRKWOOD RD. STE. 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES & HORAN SECURITIES | 8044 MONTGOMERY ROAD CINCINNATI, OH 45236 | THE FIDELITY SECURITY LIFE INS. CO. | $983 | — | $983 | 5.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONALMIDWEST LIMITED | 8044 MONTGOMERY ROAD STE 640 CINCINNATI, OH 45236 | THE FIDELITY SECURITY LIFE INS. CO. | $949 | — | $949 | 4.84% |
| THREEFLOW3 | 306 W. ERIE STREET, SUITE #300 CHICAGO, IL 60654 | THE FIDELITY SECURITY LIFE INS. CO. | $220 | — | $220 | 1.12% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES&HORAN SECURITIES | TOWERS OF KENWOOD CINCINNATI, OH 45236 | THE FIDELITY SECURITY LIFE INS. CO. | $162 | — | $162 | 0.83% |
| THREEFLOW3 | 227 W. MONROE STREET, SUITE 5200 CHICAGO, IL 60606 | THE FIDELITY SECURITY LIFE INS. CO. | $42 | — | $42 | 0.21% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B. OSWALD COMPANY | OSWALD CENTRE 1100 SUPERIOR AVE., STE 1500 CLEVELAND, OH 44114 | THE FIDELITY SECURITY LIFE INS. CO. | $34 | — | $34 | 0.17% |
| PML INC3 | 11410 STONECREEK DR PICKERINGTON, OH 43147 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $1K | — | $1K | 13.99% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE E STE. 1500 CLEVELAND, OH 44114 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $664 | — | $664 | 8.84% |
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 | 165 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 168 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 293 | $1.3M |
| Dental | DELTA DENTAL OF OHIO | 312 | $105K |
| Vision | THE FIDELITY SECURITY LIFE INS. CO. | 254 | $20K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 165 | $35K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 162 | $59K |
| Prescription drug | COMMUNITY INSURANCE COMPANY | 293 | $1.3M |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 165 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 312 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.