| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HORAN ASSOCIATES INC.3 | 8044 MONTGOMERY ROAD CINCINNATI, OH 45236 | UNITED HEALTHCARE INSURANCE COMPANY | — | $29K | $29K | 0.85% |
| HORAN ASSOCIATES INC.3 | 4990 E GALBRAITH RD STE 102 CINCINNATI, OH 45236 | UNITED HEALTHCARE INSURANCE COMPANY | $6K | — | $6K | 0.18% |
| HORAN ASSOCIATES INC.2 | 4990 E GALBRAITH RD STE 102 CINCINNATI, OH 45236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $619 | $3K | 12.46% |
| HORAN ASSOCIATES INC.3 | 4990 E GALBRAITH RD STE 102 CINCINNATI, OH 45236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $591 | $3K | 12.70% |
| HORAN ASSOCIATES INC.3 | 4990 E GALBRAITH RD STE 102 CINCINNATI, OH 45236 | EYE MED VISION | $2K | — | $2K | 7.53% |
| HORAN ASSOCIATES INC.3 | 8044 MONTGOMERY ROAD SUITE 640 CINCINNATI, OH 45236 | EYE MED VISION | $867 | — | $867 | 4.17% |
| HORAN ASSOCIATES INC.3 | 4990 E GALBRAITH RD STE 102 CINCINNATI, OH 45236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 8.35% |
| HORAN ASSOCIATES INC.3 | 4990 E GALBRAITH RD STE 102 CINCINNATI, OH 45236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 8.35% |
| HORAN ASSOCIATES INC.3 | 4990 E GALBRAITH RD STE 102 CINCINNATI, OH 45236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $316 | $2K | 11.96% |
| HORAN ASSOCIATES INC.3 | 4990 E GALBRAITH RD STE 102 CINCINNATI, OH 45236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 8.35% |
| HORAN ASSOCIATES INC.3 | 8044 MONTGOMERY ROAD CINCINNATI, OH 45236 | DENTAL CARE PLUS INC | $3K | — | $3K | 42.58% |
| HORAN ASSOCIATES INC.3 | 4990 E GALBRAITH RD STE 102 CINCINNATI, OH 45236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $351 | $76 | $427 | 12.18% |
| HORAN ASSOCIATES INC.3 | 4990 E GALBRAITH RD STE 102 CINCINNATI, OH 45236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $227 | — | $227 | 8.35% |
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 | 149 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 374 | $3.4M |
| Dental | DENTAL CARE PLUS INC | 373 | $8K |
| Vision | EYE MED VISION | 266 | $21K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 216 | $42K |
| Short-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 147 | $39K |
| Long-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 147 | $28K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 216 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 374 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.