| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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 | — | $10K | 10.78% |
| JAMES D THOMAS3 | 715 LARKSPUR WAY PICKERINGTON, OH 43147 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $450 | $7K | 7.40% |
| HEALTHCARE REFORM ALTERNATIVES LLC3 | 2706 BARHARBOR CT LEWIS CENTER, OH 43035 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $624 | $4K | 4.44% |
| DONALD W. HUGHETT3 Filed as: DONALD W HUGHETT | 10864 KRISTIRIDGE DR CINCINNATI, OH 45252 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 2.20% |
| JOSEPH W. BRUNGS3 Filed as: JOSEPH W BRUNGS | 2465 FELICE DR CRESCENT SPRINGS, KY 41017 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $735 | $0 | $735 | 0.81% |
| LANG FINANCIAL GROUP, INC.3 Filed as: LANG FINANCIAL GROUP INC | 4225 MALSBARY ROAD 100 CINCINNATI, OH 45242 | DELTA DENTAL OF OHIO | $3K | — | $3K | 4.93% |
| LANG FINANCIAL GROUP, INC.3 Filed as: LANG FINANCIAL GROUP INC | 4225 MALSBARY ROAD 100 CINCINNATI, OH 45242 | HUMANA INSURANCE COMPANY | $2K | — | $2K | 10.01% |
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 | 152 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OHIO | 224 | $61K |
| Vision | HUMANA INSURANCE COMPANY | 103 | $15K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 152 | $186K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 152 | $186K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 152 | $95K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 100 | $91K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 224 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.