| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HORAN ASSOCIATES INC.3 | 4990 EAST GALBRAITH ROAD STE 102 CINCINNATI, OH 45236 | MEDICAL MUTUAL OF OHIO | $27K | $5K | $32K | 2.38% |
| MARSH & MCLENNAN AGENCY LLC3 | 409 E. MONUMENT AVE., STE 400 DAYTON, OH 45402 | MEDICAL MUTUAL OF OHIO | $8K | $6K | $13K | 0.98% |
| HORAN ASSOCIATES INC.3 | 4990 EAST GALBRAITH ROAD STE 102 CINCINNATI, OH 45236 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 5.28% |
| MARSH & MCLENNAN AGENCY LLC3 | BROWER INSURANCE 409 E. MONUMENT AVE., STE 400 DAYTON, OH 45402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $2K | $3K | 4.57% |
| HORAN ASSOCIATES INC.3 | 4990 EAST GALBRAITH ROAD STE 102 CINCINNATI, OH 45236 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 9.42% |
| MARSH & MCLENNAN AGENCY LLC3 | BROWER INSURANCE 409 E. MONUMENT AVE., STE 400 DAYTON, OH 45402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $869 | $627 | $1K | 6.80% |
| HORAN ASSOCIATES INC.3 | 4990 EAST GALBRAITH ROAD STE 102 CINCINNATI, OH 45236 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 7.37% |
| MARSH & MCLENNAN AGENCY LLC3 | BROWER INSURANCE 409 E. MONUMENT AVE., STE 400 DAYTON, OH 45402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $412 | $446 | $858 | 5.48% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EXPERT BENEFIT SOLUTIONS EIN 39-1277023 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $9K |
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 | 193 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 193 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL OF OHIO | 170 | $1.4M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 193 | $16K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 192 | $61K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 192 | $22K |
| Prescription drug | MEDICAL MUTUAL OF OHIO | 170 | $1.4M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 193 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 193 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.