| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT RESOURCES | — | GRANULAR INSURANCE COMPANY | — | $76K | $76K | 7.00% |
| LANG FINANCIAL GROUP, INC.3 | 4225 MALSBARY ROAD SUITE 100 CINCINNATI, OH 45242 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $24K | $6K | $31K | 19.00% |
| LANG FINANCIAL GROUP, INC.3 | 4225 MALSBARY ROAD SUITE 100 CINCINNATI, OH 45242 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $15K | $4K | $19K | 19.00% |
| LANG FINANCIAL GROUP, INC.3 | 4225 MALSBARY ROAD SUITE 100 CINCINNATI, OH 45242 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $15K | $317 | $15K | 15.74% |
| LANG FINANCIAL GROUP, INC.3 | 4225 MALSBARY ROAD SUITE 100 CINCINNATI, OH 45242 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $3K | $8K | 12.50% |
| LANG FINANCIAL GROUP, INC.3 | 4225 MALSBARY ROAD SUITE 100 CINCINNATI, OH 45242 | EYEMED | $6K | — | $6K | 9.95% |
| LANG FINANCIAL GROUP, INC.3 | 4225 MALSBARY ROAD SUITE 100 CINCINNATI, OH 45242 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $115 | $8K | 20.31% |
| LANG FINANCIAL GROUP, INC.3 | 4225 MALSBARY ROAD SUITE 100 CINCINNATI, OH 45242 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $314 | $1K | 18.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $350K |
| LANG FINANCIAL GROUP INC BROKER | Insurance agents and brokers; Other commissions Service code 22 | 4225 MALSBARY RD SUITE 100 CINCINNATI, OH 45242 | $60K |
| DELTA DENTAL OF OHIO EIN 31-0685339 BENEFIT ADMIN | Contract Administrator; Claims processing Service code 12 | — | $20K |
| LANG FINANCIAL GROUP, INC. | Insurance agents and brokers Service code 22 | — | $4K |
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 | 405 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 409 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED | 663 | $57K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 405 | $161K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 406 | $100K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 254 | $96K |
| Stop-loss / reinsurancereinsurance | GRANULAR INSURANCE COMPANY | 362 | $1.1M |
| Other(5 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 663 | $329K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 663 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.