| 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 | $48K | $54K | 3.29% |
| LANG FINANCIAL GROUP, INC.3 | 4225 MALSBARY ROAD SUITE 100 CINCINNATI, OH 45242 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 5.02% |
| GERALD MALCOLM WRIGHT3 Filed as: GERALD M WRIGHT | 499 WOODBINE COURT MAINEVILLE, OH 45039 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 2.65% |
| TERESA M ANTHONY3 | 3778 RIVERSIDE DRIVE MASON, OH 45040 | CONTINENTAL AMERICAN INSURANCE COMPANY | $888 | — | $888 | 2.10% |
| GERALD MALCOLM WRIGHT3 Filed as: GERALD M WRIGHT | 499 WOODBINE COURT MAINEVILLE, OH 45039 | CONTINENTAL AMERICAN INSURANCE COMPANY | $711 | — | $711 | 1.68% |
| RALPH H KEELER3 Filed as: RALPH E JOHNSON | 5209 ASPEN VALLEY DRIVE LIBERTY TOWNSHIP, OH 45011 | CONTINENTAL AMERICAN INSURANCE COMPANY | $572 | — | $572 | 1.36% |
| MICHAEL E MCCARTHY3 | PO BOX 1047 DUNDEE, IL 60118 | CONTINENTAL AMERICAN INSURANCE COMPANY | $420 | — | $420 | 1.00% |
| RONALD J ZULLO3 | 11260 CHESTER ROAD SUITE 100 CINCINNATI, OH 45246 | CONTINENTAL AMERICAN INSURANCE COMPANY | $306 | — | $306 | 0.73% |
| BRIAN J DAY3 | 8744 UNION CENTRE BOULEVARD WEST CHESTER, OH 45069 | CONTINENTAL AMERICAN INSURANCE COMPANY | $286 | — | $286 | 0.68% |
| CHRISTOPHER E BIALKA3 | 3778 RIVERSIDE DRIVE MASON, OH 45040 | CONTINENTAL AMERICAN INSURANCE COMPANY | $264 | — | $264 | 0.63% |
| YAFA OSONA3 | 6597 STEWART ROAD CINCINNATI, OH 45236 | CONTINENTAL AMERICAN INSURANCE COMPANY | $134 | — | $134 | 0.32% |
| WILLIS TOWERS WATSON US LLC3 Filed as: KELLY S WILLIS | 5372 COTTAGE VIEW COURT LIBERTY TOWNSHIP, OH 45011 | CONTINENTAL AMERICAN INSURANCE COMPANY | $115 | — | $115 | 0.27% |
| MELISSA A BRINKER3 | 8150 CORPORATE PARK DRIVE SUITE 222 CINCINNATI, OH 45242 | CONTINENTAL AMERICAN INSURANCE COMPANY | $103 | — | $103 | 0.24% |
| JAMES J GRETHEL3 | 865 CEDAR DRIVE LOVELAND, OH 45140 | CONTINENTAL AMERICAN INSURANCE COMPANY | $70 | — | $70 | 0.17% |
| IAN B BRANYON3 | 8744 UNION CENTRE BOULEVARD WEST CHESTER, OH 45069 | CONTINENTAL AMERICAN INSURANCE COMPANY | $41 | — | $41 | 0.10% |
| WILLIS TOWERS WATSON US LLC3 Filed as: GAYLE A WILLIS | 5372 COTTAGE VIEW COURT LIBERTY TOWNSHIP, OH 45011 | CONTINENTAL AMERICAN INSURANCE COMPANY | $41 | — | $41 | 0.10% |
| SHAWN M MCDERMOTT3 | 9543 CONKLIN AVENUE CINCINNATI, OH 45242 | CONTINENTAL AMERICAN INSURANCE COMPANY | $30 | — | $30 | 0.07% |
| INGER M PENNINGTON3 | 1262 DAISY COURT BATAVIA, OH 45103 | CONTINENTAL AMERICAN INSURANCE COMPANY | $30 | — | $30 | 0.07% |
| WILLIAM ROBERTS3 | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | — | $10 | 0.02% |
| LANG FINANCIAL GROUP, INC.3 | 4225 MALSBARY ROAD SUITE 100 CINCINNATI, OH 45242 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $1K | $7K | 18.05% |
| LANG FINANCIAL GROUP, INC.3 | 4225 MALSBARY ROAD SUITE 100 CINCINNATI, OH 45242 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $1K | $4K | 10.77% |
| GERALD MALCOLM WRIGHT3 | 499 WOODBINE COURT MAINEVILLE, OH 45039 | AFLAC | $37 | — | $37 | 2.87% |
| RALPH H KEELER3 Filed as: RALPH E JOHNSON | 1001 CONRAD LANE SHOREWOOD, IL 60404 | AFLAC | $33 | — | $33 | 2.56% |
| LANG FINANCIAL GROUP, INC.3 | 4225 MALSBARY ROAD SUITE 100 CINCINNATI, OH 45242 | AFLAC | $33 | — | $33 | 2.56% |
| MICHAEL E MCCARTHY3 | PO BOX 1047 DUNDEE, IL 60118 | AFLAC | $21 | — | $21 | 1.63% |
| MARLENE R. GUTTMAN, LLC3 Filed as: MARLENE R GUTTMAN | 9201 SHALLOW CREEK DRIVE LOVELAND, OH 45140 | AFLAC | $12 | — | $12 | 0.93% |
| BRIAN J DAY3 | 13189 HITCHING POST ROAD DEWITT, MI 48820 | AFLAC | $7 | — | $7 | 0.54% |
| THAD M LONG3 | 8435 BURNS AVENUE CINCINNATI, OH 45216 | AFLAC | $7 | — | $7 | 0.54% |
| KANDACE M MCCARTHY3 | 304 CANTERFIELD PARKWAY W PO BOX 1047 WEST DUNDEE, IL 60118 | AFLAC | $7 | — | $7 | 0.54% |
| GERALD MALCOLM WRIGHT3 | 499 WOODBINE COURT MAINEVILLE, OH 45039 | AFLAC | $13 | — | $13 | 3.61% |
| RALPH H KEELER3 Filed as: RALPH E JOHNSON | 1001 CONRAD LANE SHOREWOOD, IL 60404 | AFLAC | $12 | — | $12 | 3.33% |
| LANG FINANCIAL GROUP, INC.3 | 4225 MALSBARY ROAD SUITE 100 CINCINNATI, OH 45242 | AFLAC | $9 | — | $9 | 2.50% |
| MICHAEL E MCCARTHY3 | PO BOX 1047 DUNDEE, IL 60118 | AFLAC | $5 | — | $5 | 1.39% |
| BRIAN J DAY3 | 13189 HITCHING POST ROAD DEWITT, MI 48820 | AFLAC | $4 | — | $4 | 1.11% |
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 | 657 | $1.6M |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 156 | $40K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 83 | $34K |
| Other(4 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 164 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 657 | — |
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.