| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HORAN ASSOCIATES INC.3 | 4990 E. GALBRAITH ROAD STE 102 CINCINNATI, OH 45236 | MEDICAL MUTUAL OF OHIO | $101K | $73K | $174K | 4.18% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC | 4990 E GALBRAITH RD STE 102 CINCINNATI, OH 45236 | DENTAL CARE PLUS, INC | $9K | — | $9K | 3.36% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC | 4990 E GALBRAITH RD STE 102 CINCINNATI, OH 45236 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $17K | — | $17K | 8.50% |
| HORAN ASSOCIATES INC.3 | 4990 E GALBRAITH ROAD STE 102 CINCINNATI, OH 45236 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $4K | — | $4K | 9.12% |
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 | 575 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 575 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL OF OHIO | 442 | $4.2M |
| Dental | DENTAL CARE PLUS, INC | 444 | $260K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 373 | $42K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 575 | $205K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 575 | $205K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 575 | $205K |
| Prescription drug | MEDICAL MUTUAL OF OHIO | 442 | $4.2M |
| Other(4 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 575 | $216K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 575 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.