| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ART HAUSER INSURANCE INC3 | 5905 E GALBRAITH RD, SUITE 9000 CINCINNATI, OH 45236 | AETNA LIFE INSURANCE CO | $12K | — | $12K | 1.08% |
| HAUSER INC3 Filed as: HAUSER, INC. | 5905 E GALBRAITH RD, SUITE 9000 CINCINNATI, OH 45236 | AETNA LIFE INSURANCE CO | $200 | — | $200 | 0.02% |
| ART HAUSER INSURANCE INC3 | 5905 E GALBRAITH RD, SUITE 9000 CINCINNATI, OH 45236 | AETNA LIFE INSURANCE CO | — | $7K | $7K | 0.86% |
| JAMES D THOMAS3 Filed as: JAMES D. THOMAS | 5451 ST. ANDREWS DR. WESTERVILLE, OH 43082 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $805 | $8K | 8.35% |
| HEALTHCARE REFORM ALTERNATIVES LLC3 | 2706 BAR HARBOUR CT. LEWIS CENTER, OH 43035 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $1K | $5K | 5.39% |
| JOSEPH W. BRUNGS3 | 4000 SMITH RD. CINCINNATI, OH 45209 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 2.18% |
| DONALD W. HUGHETT3 | 10864 KRISTIRIDGE DR. CINCINNATI, OH 45252 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 2.18% |
| LANG FINANCIAL GROUP, INC.3 Filed as: LANG FINANCIAL GROUP INC | 4225 MALSBARY ROAD 100 CINCINNATI, OH 45242 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | $0 | $10K | 11.80% |
| LANG FINANCIAL GROUP, INC.2 Filed as: LANG FINANCIAL GROUP INC | 4225 MALSBARY ROAD 100 CINCINNATI, OH 45242 | DENTAL CARE PLUS, INC. | $3K | — | $3K | 4.41% |
| LANG FINANCIAL GROUP, INC.3 Filed as: LANG FINANCIAL GROUP INC | 4225 MALSBARY ROAD 100 CINCINNATI, OH 45242 | DENTAL CARE PLUS, INC. | $3K | — | $3K | 4.84% |
| LANG FINANCIAL GROUP, INC.3 Filed as: LANG FINANCIAL GROUP INC | 4225 MALSBARY ROAD 100 CINCINNATI, OH 45242 | HUMANA COMPBENEFITS INSURANCE COMPANY | $1K | $430 | $2K | 11.97% |
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 | 128 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 129 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | AETNA LIFE INSURANCE CO | 222 | $1.9M |
| Dental(2 contracts) | DENTAL CARE PLUS, INC. | 225 | $127K |
| Vision | HUMANA COMPBENEFITS INSURANCE COMPANY | 100 | $15K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 154 | $180K |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 154 | $180K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 154 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 225 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.