| 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 | $44K | — | $44K | 1.00% |
| 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 | 4990 EAST GALBRAITH ROAD CINCINNATI, OH 45236 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $47K | $928 | $48K | 1.40% |
| HORAN ASSOCIATES INC.3 | 4990 E. GALBRAITH RD #102 CINCINNATI, OH 45236 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $28K | — | $28K | 1.00% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 4990 E GALBRAITH ROAD STE 102 CINCINNATI, OH 452366711 | KAISER FOUNDATION HEALTH PLAN INC | $48K | — | $48K | 1.86% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC | 4990 E GALBRAITH ROAD STE 102 CINCINNATI, OH 452366711 | KAISER FOUNDATION HEALTH PLAN INC | $44K | — | $44K | 1.75% |
| WILLIS TOWERS WATSON US LLC3 | 200 LIBERTY STREET FLOOR 6 NEW YORK, NY 10281 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES(CIGNA) | -$2 | — | -$2 | -0.00% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 4990 EAST GALBRAITH ROAD STE 102 CINCINNATI, OH 45236 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $25K | — | $25K | 1.41% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 4990 EAST GALBRAITH ROAD CINCINNATI, OH 45236 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $26K | — | $26K | 1.65% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 4990 E GALBRAITH ROAD STE 102 CINCINNATI, OH 452366711 | KAISER FOUNDATION HEALTH PLAN INC | $31K | — | $31K | 1.94% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC | 4990 EAST GALBRAITH ROAD CINCINNATI, OH 45236 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | $22K | — | $22K | 1.50% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN & ASSOCIATES | 4990 E. GALBRAITH ROAD #102 CINCINNATI, OH 45236 | PAN-AMERICAN LIFE INSURANCE COMPANY | $109K | — | $109K | 9.69% |
| HORAN ASSOCIATES INC.3 | 4990 EAST GALBRAITH ROAD CINCINNATI, OH 45236 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $15K | — | $15K | 1.50% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC | 4990 E GALBRAITH RD STE 102 CINCINNATI, OH 452366711 | KAISER FOUNDATION HEALTH PLAN INC | $6K | — | $6K | 0.60% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 4990 EAST GALBRAITH ROAD STE 102 CINCINNATI, OH 452366711 | KAISER FOUNDATION HEALTH PLAN INC | $7K | — | $7K | 1.02% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC | 4990 E. GALBRAITH RD #102 CINCINNATI, OH 45236 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 1.00% |
| 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 | 1.38% |
| 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 CINCINNATI, OH 45236 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $2K | — | $2K | 1.44% |
| HORAN ASSOCIATES INC.3 | 4990 EAST GALBRAITH ROAD CINCINNATI, OH 45236 | EXCELLUS BLUE CROSS BLUE SHIELD | $660 | — | $660 | 9.02% |
| LIFETIME BENEFIT SOLUTIONS, INC.3 | 2457 STATE RT 7 SUITE 1 PO BOX 340 COBLESKILL, NY 12043 | EXCELLUS BLUE CROSS BLUE SHIELD | $220 | — | $220 | 3.01% |
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 | 52,554 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 155 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 52,709 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(18 contracts, 11 carriers) | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | 482 | $20.2M |
| Dental(7 contracts, 7 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES(CIGNA) | 7,462 | $2.5M |
| Vision | VISION SERVICE PLAN | 9,839 | $1.6M |
| Life insurance(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 52,701 | $5.5M |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 15,937 | $2.8M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,878 | $630K |
| Prescription drug(2 contracts, 2 carriers) | EXCELLUS BLUE CROSS BLUE SHIELD | 17 | $401K |
| Other(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES(CIGNA) | 7,462 | $3.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 52,701 | — |
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.