| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HORAN ASSOCIATES INC.3 | 4990 E GALBRAITH RD STE 102 CINCINNATI, OH 45236 | AETNA LIFE INSURANCE CO | $0 | $8K | $8K | 0.11% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC | 4990 E GALBRAITH RD STE 102 CINCINNATI, OH 45236 | DENTAL CARE PLUS, INC. | $13K | — | $13K | 2.25% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC | 4990 E GALBRAITH RD STE 102 CINCINNATI, OH 45236 | UNITED HEALTHCARE INSURANCE COMPANY | $1 | $2K | $2K | 2.29% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HORAN ASSOCIATES INC EIN 31-1004837 BROKER | Other commissions Service code 55 | — | $123K |
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 | 2,034 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,034 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO | 2,034 | $7.0M |
| Dental | DENTAL CARE PLUS, INC. | 1,190 | $591K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,034 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.