| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 4990 EAST GALBRAITH RD, STE 102 CINCINNATI, OH 45236 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $4K | — | $4K | 0.90% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 4990 E GALBRAITH RD STE 102 CINCINNATI, OH 45236 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $207 | $2K | 8.86% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 4990 E GALBRAITH RD STE 102 CINCINNATI, OH 45236 | DENTAL CARE PLUS, INC. | $7K | — | $7K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM HEALTH PLANS OF KENTUCKY, IN EIN 61-1237516 CLAIMS PROCESSOR | Float revenue; Other services; Other fees; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing Service code 12 | — | $342K |
| HORAN ASSOCIATES, INC. BROKER | Other commissions; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 4990 EAST GALBRAITH RD. STE 102 CINCINNATI, OH 45236 | $46K |
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 | 386 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 386 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DENTAL CARE PLUS, INC. | 307 | $0 |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 309 | $449K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 386 | $20K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 386 | $20K |
| Stop-loss / reinsurancereinsurance | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 309 | $449K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 386 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.