| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LANG FINANCIAL GROUP, INC.3 | 4225 MALSBARY ROAD SUITE 100 CINCINNATI, OH 45242 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $19K | $3K | $22K | 17.30% |
| LANG FINANCIAL GROUP, INC.3 | 4225 MALSBARY ROAD SUITE 100 CINCINNATI, OH 45242 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $17K | $2K | $19K | 22.42% |
| LANG FINANCIAL GROUP, INC.3 | 4225 MALSBARY ROAD SUITE 100 CINCINNATI, OH 45242 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | $1K | $10K | 17.39% |
| LANG FINANCIAL GROUP, INC.3 | 4225 MALSBARY ROAD SUITE 100 CINCINNATI, OH 45242 | EYEMED | $5K | — | $5K | 10.79% |
| LANG FINANCIAL GROUP, INC.3 | 4225 MALSBARY ROAD SUITE 100 CINCINNATI, OH 45242 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $837 | $4K | 10.83% |
| LANG FINANCIAL GROUP, INC.3 | 4225 MALSBARY ROAD SUITE 100 CINCINNATI, OH 45242 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | $605 | $9K | 34.34% |
| LANG FINANCIAL GROUP, INC.3 | 4225 MALSBARY ROAD SUITE 100 CINCINNATI, OH 45242 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $978 | $155 | $1K | 17.39% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $173K |
| LANG FINANCIAL GROUP, INC. | Insurance agents and brokers Service code 22 | — | $51K |
| DELTA DENTAL OF OHIO EIN 31-0685339 BENEFIT ADMIN | Claims processing; Contract Administrator Service code 12 | — | $16K |
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 | 315 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 320 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED | 484 | $42K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 315 | $127K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 315 | $60K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 245 | $84K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 295 | $820K |
| Other(5 contracts, 2 carriers) | HM LIFE INSURANCE COMPANY | 315 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 484 | — |
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.