| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: ALLSTATE BENEFITS | 1515 N RIVERCENTER DRIVE SUITE #135 MILWAUKEE, WI 53212 | NATIONAL HEALTH INSURANCE COMPANY | $88K | — | $88K | 7.91% |
| LANG FINANCIAL GROUP, INC.3 Filed as: LANG FINANCIAL GROUP INC | 4225 MALSBARY RD 100 CINCINNATI, OH 45242 | NATIONAL HEALTH INSURANCE COMPANY | $39K | — | $39K | 3.55% |
| LANG FINANCIAL GROUP, INC.3 Filed as: LANG FINANCIAL GROUP INC | 4225 MALSBARY RD SUITE 100 CINCINNATI, OH 45242 | THE HARTFORD LIFE AND ACCIDENT | $22K | $7K | $29K | 19.79% |
| LANG FINANCIAL GROUP, INC.3 Filed as: LANG FINANCIAL GROUP INC | 4225 MALSBARY RD SUITE 100 BLUE ASH, OH 45242 | PRINCIPAL LIFE INSURANCE COMPANY | $24K | — | $24K | 20.02% |
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 | 178 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | NATIONAL HEALTH INSURANCE COMPANY | 128 | $1.1M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 275 | $120K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 275 | $120K |
| Life insurance | THE HARTFORD LIFE AND ACCIDENT | 178 | $147K |
| Short-term disability | THE HARTFORD LIFE AND ACCIDENT | 178 | $147K |
| Long-term disability | THE HARTFORD LIFE AND ACCIDENT | 178 | $147K |
| Other(2 contracts, 2 carriers) | THE HARTFORD LIFE AND ACCIDENT | 275 | $267K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 275 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.