| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HORAN ASSOCIATES INC.3 | 8044 MONTGOMERY ROAD SUITE 640 CINCINNATI, OH 45236 | MEDICAL MUTUAL OF OHIO | $104K | $18K | $122K | 2.42% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC | 8044 MONTGOMERY ROAD SUITE 640 CINCINNATI, OH 45236 | DENTAL CARE PLUS, INC | $6K | — | $6K | 2.61% |
| HORAN ASSOCIATES INC.3 | 8044 MONTGOMERY ROAD SUITE 640 CINCINNATI, OH 45236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $2K | $8K | 4.79% |
| HORAN ASSOCIATES INC.3 | 8044 MONTGOMERY ROAD SUITE 640 CINCINNATI, OH 45236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $14K | $2K | $17K | 11.54% |
| HORAN ASSOCIATES INC.3 | 8044 MONTGOMERY ROAD SUITE 640 CINCINNATI, OH 45236 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $5K | — | $5K | 9.89% |
| HORAN ASSOCIATES INC.3 | 8044 MONTGOMERY ROAD SUITE 640 CINCINNATI, OH 45236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $511 | $4K | 11.47% |
| HORAN ASSOCIATES INC.3 | 4990 EAST GALBRAITH ROAD SUITE 102 CINCINNATI, OH 45236 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $3K | — | $3K | 14.52% |
| ROB VEST3 | 280 BLUE BEND RD ROCKY MOUNT, VA 24151 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $61 | — | $61 | 0.32% |
| HORAN ASSOCIATES INC.3 | 8044 MONTGOMERY ROAD SUITE 640 CINCINNATI, OH 45236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | — | $0 | — |
| HORAN ASSOCIATES INC.3 | 8044 MONTGOMERY ROAD SUITE 640 CINCINNATI, OH 45236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | — | $0 | — |
| HORAN ASSOCIATES INC.3 | 8044 MONTGOMERY ROAD SUITE 640 CINCINNATI, OH 45236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | — | $0 | — |
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 | 740 | 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) | 740 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL OF OHIO | 527 | $5.1M |
| Dental | DENTAL CARE PLUS, INC | 1,019 | $221K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 816 | $53K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 990 | $143K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 740 | $171K |
| Prescription drug | MEDICAL MUTUAL OF OHIO | 527 | $5.1M |
| Other(6 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 990 | $197K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,019 | — |
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.