| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LANG FINANCIAL GROUP, INC.3 | 4225 MALSBARY ROAD SUITE 100 CINCINNATI, OH 45242 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | $41K | $47K | 3.42% |
| GERALD MALCOLM WRIGHT3 Filed as: GERALD M WRIGHT | 499 WOODBINE COURT MAINEVILLE, OH 45039 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 5.86% |
| LANG FINANCIAL GROUP, INC.3 | 4225 MALSBARY ROAD SUITE 100 CINCINNATI, OH 45242 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 4.83% |
| RALPH H KEELER3 Filed as: RALPH E JOHNSON | 5209 ASPEN VALLEY DRIVE LIBERTY TOWNSHIP, OH 45011 | CONTINENTAL AMERICAN INSURANCE COMPANY | $692 | — | $692 | 1.36% |
| MICHAEL E MCCARTHY3 | PO BOX 1047 DUNDEE, IL 60118 | CONTINENTAL AMERICAN INSURANCE COMPANY | $614 | — | $614 | 1.21% |
| BRIAN J DAY3 | 8744 UNION CENTRE BOULEVARD WEST CHESTER, OH 45069 | CONTINENTAL AMERICAN INSURANCE COMPANY | $573 | — | $573 | 1.13% |
| MELISSA A BRINKER3 | 8150 CORPORATE PARK DRIVE SUITE 222 CINCINNATI, OH 45242 | CONTINENTAL AMERICAN INSURANCE COMPANY | $302 | — | $302 | 0.59% |
| JAMES J GRETHEL3 | 865 CEDAR DRIVE LOVELAND, OH 45140 | CONTINENTAL AMERICAN INSURANCE COMPANY | $268 | — | $268 | 0.53% |
| WILLIS TOWERS WATSON US LLC3 Filed as: KELLY S WILLIS | 5372 COTTAGE VIEW COURT LIBERTY TOWNSHIP, OH 45011 | CONTINENTAL AMERICAN INSURANCE COMPANY | $251 | — | $251 | 0.49% |
| YAFA OSONA3 | 6597 STEWART ROAD CINCINNATI, OH 45236 | CONTINENTAL AMERICAN INSURANCE COMPANY | $178 | — | $178 | 0.35% |
| WILLIS TOWERS WATSON US LLC3 Filed as: GAYLE A WILLIS | 5372 COTTAGE VIEW COURT LIBERTY TOWNSHIP, OH 45011 | CONTINENTAL AMERICAN INSURANCE COMPANY | $148 | — | $148 | 0.29% |
| IAN B BRANYON3 | 8744 UNION CENTRE BOULEVARD WEST CHESTER, OH 45069 | CONTINENTAL AMERICAN INSURANCE COMPANY | $79 | — | $79 | 0.16% |
| SHAWN M MCDERMOTT3 | 9543 CONKLIN AVENUE CINCINNATI, OH 45242 | CONTINENTAL AMERICAN INSURANCE COMPANY | $43 | — | $43 | 0.08% |
| INGER M PENNINGTON3 | 1262 DAISY COURT BATAVIA, OH 45103 | CONTINENTAL AMERICAN INSURANCE COMPANY | $43 | — | $43 | 0.08% |
| WILLIAM ROBERTS3 | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $36 | — | $36 | 0.07% |
| LANG FINANCIAL GROUP, INC.3 | 4225 MALSBARY ROAD SUITE 100 CINCINNATI, OH 45242 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $1K | $7K | 17.92% |
| LANG FINANCIAL GROUP, INC.3 | 4225 MALSBARY ROAD SUITE 100 CINCINNATI, OH 45242 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $934 | $3K | 10.23% |
| GERALD MALCOLM WRIGHT3 | 499 WOODBINE COURT MAINEVILLE, OH 45039 | AFLAC | $57 | — | $57 | 3.11% |
| RALPH H KEELER3 Filed as: RALPH E JOHNSON | 1001 CONRAD LANE SHOREWOOD, IL 60404 | AFLAC | $51 | — | $51 | 2.78% |
| LANG FINANCIAL GROUP, INC.3 | 4225 MALSBARY ROAD SUITE 100 CINCINNATI, OH 45242 | AFLAC | $47 | — | $47 | 2.56% |
| MICHAEL E MCCARTHY3 | PO BOX 1047 DUNDEE, IL 60118 | AFLAC | $30 | — | $30 | 1.64% |
| MARLENE R. GUTTMAN, LLC3 Filed as: MARLENE R GUTTMAN | 9201 SHALLOW CREEK DRIVE LOVELAND, OH 45140 | AFLAC | $12 | — | $12 | 0.65% |
| BRIAN J DAY3 | 13189 HITCHING POST ROAD DEWITT, MI 48820 | AFLAC | $9 | — | $9 | 0.49% |
| THAD M LONG3 | 8435 BURNS AVENUE CINCINNATI, OH 45216 | AFLAC | $7 | — | $7 | 0.38% |
| KANDACE M MCCARTHY3 | 304 CANTERFIELD PARKWAY W PO BOX 1047 WEST DUNDEE, IL 60118 | AFLAC | $7 | — | $7 | 0.38% |
| GERALD MALCOLM WRIGHT3 | 499 WOODBINE COURT MAINEVILLE, OH 45039 | AFLAC | $14 | — | $14 | 3.45% |
| RALPH H KEELER3 Filed as: RALPH E JOHNSON | 1001 CONRAD LANE SHOREWOOD, IL 60404 | AFLAC | $13 | — | $13 | 3.20% |
| LANG FINANCIAL GROUP, INC.3 | 4225 MALSBARY ROAD SUITE 100 CINCINNATI, OH 45242 | AFLAC | $10 | — | $10 | 2.46% |
| MICHAEL E MCCARTHY3 | PO BOX 1047 DUNDEE, IL 60118 | AFLAC | $6 | — | $6 | 1.48% |
| BRIAN J DAY3 | 13189 HITCHING POST ROAD DEWITT, MI 48820 | AFLAC | $4 | — | $4 | 0.99% |
| KANDACE M MCCARTHY3 | 304 CANTERFIELD PARKWAY W PO BOX 1047 WEST DUNDEE, IL 60118 | AFLAC | $1 | — | $1 | 0.25% |
| THOMAS S GENTZ3 | 3848 CHERRY BROOK LANE MASON, OH 45040 | AFLAC | $1 | — | $1 | 0.25% |
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 | 164 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 164 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 641 | $1.4M |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 181 | $40K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 93 | $33K |
| Other(4 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 181 | $93K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 641 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.