| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 4990 GALBRAITH RD STE 102 CINCINNATI, OH 45236 | HUMANA HEALTH PLAN, INC. | $9K | $2K | $11K | 1.24% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC | 4990 E GALBRAITH RD STE 102 CINCINNATI, OH 45236 | DELTA DENTAL OF KENTUCKY | $2K | — | $2K | 6.22% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC | 4990 E GALBRAITH RD STE 102 CINCINNATI, OH 45236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $543 | $3K | 12.19% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC | 4990 E GALBRAITH RD STE 102 CINCINNATI, OH 45236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $282 | $2K | 17.28% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC | 4990 E GALBRAITH RD STE 102 CINCINNATI, OH 45236 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $752 | — | $752 | 8.17% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC | 4990 E GALBRAITH RD STE 102 CINCINNATI, OH 45236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $419 | $98 | $517 | 12.33% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC | 4990 E GALBRAITH RD STE 102 CINCINNATI, OH 45236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $185 | $44 | $229 | 12.35% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOC INC | 4990 E GALBRAITH RD STE 102 CINCINNATI, OH 45236 | KANAWHA INSURANCE COMPANY | $38 | $17 | $55 | 3.62% |
| AMERICAN INSURNET AGENCY INC3 | 644 LINN ST STE 1100 CINCINNATI, OH 45203 | KANAWHA INSURANCE COMPANY | $29 | — | $29 | 1.91% |
| SLOWIK, GARY3 Filed as: SLOWIK, GARY P | 9809 TULIP TREE CT LOVELAND, OH 45140 | KANAWHA INSURANCE COMPANY | $23 | — | $23 | 1.51% |
| EBERLE, CHARLES F3 | 2640 BAYHILL CT CINCINNATI, OH 45233 | KANAWHA INSURANCE COMPANY | $12 | — | $12 | 0.79% |
| BELL, CLIFFORD D3 | 644 LINN ST STE 1100 CINCINNATI, OH 45203 | KANAWHA INSURANCE COMPANY | $2 | — | $2 | 0.13% |
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 | 173 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 173 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN, INC. | 97 | $915K |
| Dental | DELTA DENTAL OF KENTUCKY | 173 | $37K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 131 | $9K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 107 | $25K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 100 | $4K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 102 | $12K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 100 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 173 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.