| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD DBA | HORAN HEALTH 8044 MONTGOMERY RD STE 640 CINCINNATI, OH 45236 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $43K | — | $43K | 1.00% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 8440 MONTGOMERY RD STE 640 CINCINNATI, OH 452362288 | KAISER FOUNDATION HEALTH PLAN, INC. | $47K | — | $47K | 1.34% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD DBA | HORAN HEALTH 8044 MONTGOMERY RD STE 640 CINCINNATI, OH 45236 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $30K | — | $30K | 1.00% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 4990 EAST GALBRAITH ROAD CINCINNATI, OH 45236 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES, INC. | $40K | $12K | $52K | 1.90% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 8440 MONTGOMERY RD STE 640 CINCINNATI, OH 452362288 | KAISER FOUNDATION HEALTH PLAN, INC. | $37K | — | $37K | 1.43% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 4990 EAST GALBRAITH ROAD CINCINNATI, OH 45236 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $27K | $502 | $28K | 1.30% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN & ASSOCIATES | 8044 MONTGOMERY RD SUITE 640 CINCINNATI, OH 45236 | PAN-AMERICAN LIFE INSURANCE COMPANY | $103K | — | $103K | 7.31% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 8440 MONTGOMERY RD STE 640 CINCINNATI, OH 452362288 | KAISER FOUNDATION HEALTH PLAN, INC. | $23K | — | $23K | 1.74% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 4990 EAST GALBRAITH ROAD CINCINNATI, OH 45236 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA, INC. | $19K | — | $19K | 1.45% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 4990 EAST GALBRAITH ROAD STE 102 CINCINNATI, OH 45236 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $20K | — | $20K | 1.64% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 4990 EAST GALBRAITH ROAD CINCINNATI, OH 45236 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $16K | $435 | $16K | 2.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD DBA | HORAN HEALTH 8044 MONTGOMERY RD STE 640 CINCINNATI, OH 45236 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 1.00% |
| FIDELITY HEALTH INSURANCE SERVICES3 Filed as: FIDELITY HEALTH INSURANCE SRVCS LLC | PO BOX 770001 CINCINNATI, OH 452770003 | HEALTH NEW ENGLAND, INC. | $5K | — | $5K | 0.87% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 8440 MONTGOMERY RD STE 640 CINCINNATI, OH 452362288 | KAISER FOUNDATION HEALTH PLAN, INC. | $7K | — | $7K | 1.57% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 8440 MONTGOMERY RD STE 640 CINCINNATI, OH 452362288 | KAISER FOUNDATION HEALTH PLAN, INC. | $8K | — | $8K | 1.83% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC | 4990 EAST GALBRAITH ROAD CINCINNATI, OH 45236 | EXCELLUS BLUE CROSS BLUE SHIELD | $7K | — | $7K | 1.73% |
| LIFETIME BENEFIT SOLUTIONS, INC.3 Filed as: LIFETIME BENEFIT SOLUTIONS, INC | 2457 STATE RT 7, SUITE 1, PO BOX 340 COBLESKILL, NY 12043 | EXCELLUS BLUE CROSS BLUE SHIELD | $6K | — | $6K | 1.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | DBA HORAN HEALTH, 8044 MONTGOMERY ROAD, SUITE 640 CINCINNATI, OH 45236 | EXCELLUS BLUE CROSS BLUE SHIELD | $5K | — | $5K | 1.27% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 8440 MONTGOMERY RD STE 640 CINCINNATI, OH 452362288 | KAISER FOUNDATION HEALTH PLAN, INC. | $6K | — | $6K | 1.67% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 4990 EAST GALBRAITH ROAD CINCINNATI, OH 45236 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $2K | $63 | $2K | 1.83% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | DBA HORAN HEALTH 8044 MONTGOMERY ROAD, SUITE 640 CINCINNATI, OH 45236 | EXCELLUS BLUE CROSS BLUE SHIELD | $348 | — | $348 | 4.51% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC | 4990 EAST GALBRAITH ROAD CINCINNATI, OH 45236 | EXCELLUS BLUE CROSS BLUE SHIELD | $347 | — | $347 | 4.50% |
| LIFETIME BENEFIT SOLUTIONS, INC.3 Filed as: LIFETIME BENEFIT SOLUTIONS, INC | 2457 STATE RT 7 SUITE 1 PO BOX 340 COBLESKILL, NY 12043 | EXCELLUS BLUE CROSS BLUE SHIELD | $232 | — | $232 | 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 | 44,230 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 136 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 44,366 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(18 contracts, 11 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 471 | $19.0M |
| Dental(5 contracts, 5 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES('CIGNA') | 6,185 | $2.2M |
| Vision | VISION SERVICE PLAN | 5,938 | $1.5M |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 42,425 | $4.3M |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 5,351 | $3.0M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 591 | $616K |
| Prescription drug(2 contracts, 2 carriers) | EXCELLUS BLUE CROSS BLUE SHIELD | 17 | $407K |
| Stop-loss / reinsurancereinsurance | PAN-AMERICAN LIFE INSURANCE COMPANY | 1,159 | $1.4M |
| Other(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES('CIGNA') | 6,185 | $3.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 42,425 | — |
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.