| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC | 4990 E. GALBRAITH RD #102 CINCINNATI, OH 45236 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $43K | — | $43K | 1.00% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC | 8044 MONTGOMERY RD STE 640 CINCINNATI, OH 45236 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $33K | $33K | 0.75% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 | 1120 SANCTUARY PARKWAY, STE 375 ALPHARETTA, GA 30009 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $20K | $20K | 0.46% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC | 4990 E GALBRAITH ROAD STE 102 CINCINNATI, OH 452366711 | KAISER FOUNDATION HEALTH PLAN INC | $53K | — | $53K | 1.70% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 4990 E GALBRAITH ROAD STE 102 CINCINNATI, OH 452366711 | KAISER FOUNDATION HEALTH PLAN INC | $51K | — | $51K | 1.64% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100870001 | KAISER FOUNDATION HEALTH PLAN INC | $760 | — | $760 | 0.02% |
| HORAN ASSOCIATES INC.3 | 4990 EAST GALBRAITH ROAD CINCINNATI, OH 45236 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $5K | — | $5K | 0.19% |
| HORAN ASSOCIATES INC.3 | 4990 E. GALBRAITH RD #102 CINCINNATI, OH 45236 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $27K | — | $27K | 1.00% |
| HORAN ASSOCIATES INC.3 | 8044 MONTGOMERY RD STE 640 CINCINNATI, OH 45236 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $16K | $16K | 0.61% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 4990 EAST GALBRAITH ROAD STE 102 CINCINNATI, OH 45236 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $32K | — | $32K | 1.49% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 4990 E GALBRAITH ROAD STE 102 CINCINNATI, OH 452366711 | KAISER FOUNDATION HEALTH PLAN INC | $34K | — | $34K | 1.69% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100870001 | KAISER FOUNDATION HEALTH PLAN INC | $6K | — | $6K | 0.30% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC | 4990 EAST GALBRAITH ROAD CINCINNATI, OH 45236 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | $24K | — | $24K | 1.49% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 4990 EAST GALBRAITH ROAD CINCINNATI, OH 45236 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $23K | $579 | $23K | 1.54% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN & ASSOCIATES | 4990 E. GALBRAITH ROAD #102 CINCINNATI, OH 45236 | PAN-AMERICAN LIFE INSURANCE COMPANY | $136K | — | $136K | 9.69% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 4990 EAST GALBRAITH ROAD CINCINNATI, OH 45236 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $18K | $304 | $19K | 1.67% |
| HORAN ASSOCIATES INC.3 | 4990 EAST GALBRAITH ROAD CINCINNATI, OH 45236 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $13K | $366 | $13K | 1.41% |
| HORAN ASSOCIATES INC.3 | 8044 MONTGOMERY RD STE 640 CINCINNATI, OH 45236 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $16K | $16K | 2.02% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC | 4990 E. GALBRAITH RD #102 CINCINNATI, OH 45236 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 1.00% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC | 4990 E GALBRAITH RD STE 102 CINCINNATI, OH 452366711 | KAISER FOUNDATION HEALTH PLAN INC | $5K | — | $5K | 0.75% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 4990 E GALBRAITH ROAD STE 102 CINCINNATI, OH 452366711 | KAISER FOUNDATION HEALTH PLAN INC | $8K | — | $8K | 1.63% |
| HORAN ASSOCIATES INC.3 | 4990 EAST GALBRAITH ROAD CINCINNATI, OH 45236 | EXCELLUS BLUE CROSS BLUE SHIELD | $12K | — | $12K | 3.00% |
| LIFETIME BENEFIT SOLUTIONS, INC.3 | 2457 STATE RT 7, SUITE 1 PO BOX 340 COBLESKILL, NY 12043 | EXCELLUS BLUE CROSS BLUE SHIELD | $6K | — | $6K | 1.50% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 4990 EAST GALBRAITH ROAD STE 102 CINCINNATI, OH 452366711 | KAISER FOUNDATION HEALTH PLAN INC | $5K | — | $5K | 1.70% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWER WATSON US LLC | PO BOX 28852 NEW YORK, NY 10087 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | -$7K | — | -$7K | -7.84% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWER WATSON US LLC | PO BOX 28852 NEW YORK, NY 10087 | BLUE CROSS OF CALIFORNIA | -$1K | — | -$1K | -6.96% |
| HORAN ASSOCIATES INC.3 | 4990 EAST GALBRAITH ROAD CINCINNATI, OH 45236 | EXCELLUS BLUE CROSS BLUE SHIELD | $894 | — | $894 | 11.25% |
| LIFETIME BENEFIT SOLUTIONS, INC.3 | 2457 STATE RT 7 SUITE 1 PO BOX 340 COBLESKILL, NY 12043 | EXCELLUS BLUE CROSS BLUE SHIELD | $258 | — | $258 | 3.25% |
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 | 51,012 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 206 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 51,218 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(21 contracts, 12 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 452 | $23.0M |
| Dental(7 contracts, 7 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES(CIGNA) | 8,939 | $3.6M |
| Vision | VISION SERVICE PLAN | 11,071 | $1.8M |
| Life insurance(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 51,366 | $5.7M |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 14,542 | $2.7M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,057 | $804K |
| Prescription drug(4 contracts, 2 carriers) | EXCELLUS BLUE CROSS BLUE SHIELD | 27 | $816K |
| Other(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES(CIGNA) | 8,939 | $3.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 51,366 | — |
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.