| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LANG FINANCIAL GROUP, INC.3 | 4225 MALSBARY ROAD SUITE 100 CINCINNATI, OH 45242 | HUMANA HEALTH PLAN OF OHIO, INC. | $55K | $724 | $56K | 3.02% |
| LANG FINANCIAL GROUP, INC.3 | 4225 MALSBARY ROAD SUITE 100 CINCINNATI, OH 45242 | HUMANA INSURANCE COMPANY | $3K | $2K | $5K | 5.24% |
| LANG FINANCIAL GROUP, INC.3 | 4225 MALSBARY ROAD SUITE 100 CINCINNATI, OH 45242 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 10.00% |
| LANG FINANCIAL GROUP, INC.3 | 4225 MALSBARY ROAD SUITE 100 CINCINNATI, OH 45242 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| LANG FINANCIAL GROUP, INC.3 | 4225 MALSBARY ROAD SUITE 100 CINCINNATI, OH 45242 | CONTINENTAL AMERICAN INSURANCE COMPANY | $801 | — | $801 | 2.27% |
| GERALD MALCOLM WRIGHT3 Filed as: GERALD M WRIGHT | 499 WOODBINE COURT MAINEVILLE, OH 45039 | CONTINENTAL AMERICAN INSURANCE COMPANY | $717 | — | $717 | 2.03% |
| CAROL L VENN3 | FIVE SPYGLASS CT CINCINNATI, OH 45241 | CONTINENTAL AMERICAN INSURANCE COMPANY | $273 | — | $273 | 0.77% |
| RALPH H KEELER3 Filed as: RALPH E JOHNSON | 24745 W MANOR DRIVE SHOREWOOD, IL 60404 | CONTINENTAL AMERICAN INSURANCE COMPANY | $242 | — | $242 | 0.69% |
| MICHAEL E MCCARTHY3 | PO BOX 1047 DUNDEE, IL 60118 | CONTINENTAL AMERICAN INSURANCE COMPANY | $177 | — | $177 | 0.50% |
| HARE AND ASSOCIATES LLC3 Filed as: HARE AND ASSOC LLC | 7814 CRAINDOW CT DUBLIN, OH 43014 | CONTINENTAL AMERICAN INSURANCE COMPANY | $140 | — | $140 | 0.40% |
| RONALD J ZULLO3 | 6700 TOWERING RIDGE WAY APT 144 CINCINNATI, OH 45247 | CONTINENTAL AMERICAN INSURANCE COMPANY | $132 | — | $132 | 0.37% |
| BRIAN J DAY3 | 8744 UNION CENTRE BOULEVARD WEST CHESTER, OH 45069 | CONTINENTAL AMERICAN INSURANCE COMPANY | $115 | — | $115 | 0.33% |
| CHRISTOPHER E BIALKA3 | 4460 BLACK OAK LANE MASON, OH 45040 | CONTINENTAL AMERICAN INSURANCE COMPANY | $77 | — | $77 | 0.22% |
| TERESA M ANTHONY3 | 3778 RIVERSIDE DRIVE MASON, OH 45040 | CONTINENTAL AMERICAN INSURANCE COMPANY | $73 | — | $73 | 0.21% |
| YAFA OSONA3 | 6597 STEWART ROAD CINCINNATI, OH 45236 | CONTINENTAL AMERICAN INSURANCE COMPANY | $63 | — | $63 | 0.18% |
| WILLIS TOWERS WATSON US LLC3 Filed as: KELLY S WILLIS | 5372 COTTAGE VIEW COURT LIBERTY TOWNSHIP, OH 45011 | CONTINENTAL AMERICAN INSURANCE COMPANY | $58 | — | $58 | 0.16% |
| AMY B SHAH3 | 11260 CHESTER RD STE 100 CINCINNATI, OH 45246 | CONTINENTAL AMERICAN INSURANCE COMPANY | $42 | — | $42 | 0.12% |
| MELISSA A BRINKER3 | 8150 CORPORATE PARK DRIVE SUITE 222 CINCINNATI, OH 45242 | CONTINENTAL AMERICAN INSURANCE COMPANY | $22 | — | $22 | 0.06% |
| IAN B BRANYON3 | 8744 UNION CENTRE BOULEVARD WEST CHESTER, OH 45069 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16 | — | $16 | 0.05% |
| SHAWN M MCDERMOTT3 | 9543 CONKLIN AVENUE CINCINNATI, OH 45242 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13 | — | $13 | 0.04% |
| INGER M PENNINGTON3 | 8744 UNION CENTRE DR WEST CHESTER, OH 45069 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13 | — | $13 | 0.04% |
| WILLIS TOWERS WATSON US LLC3 Filed as: GAYLE A WILLIS | 5372 COTTAGE VIEW COURT LIBERTY TOWNSHIP, OH 45011 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.02% |
| JAMES J GRETHEL3 | 865 CEDAR DRIVE LOVELAND, OH 45140 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.02% |
| WILLIAM ROBERTS3 | 3749 SACHEM AVE CINCINNATI, OH 45226 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| LANG FINANCIAL GROUP, INC.3 | 4225 MALSBARY ROAD SUITE 100 CINCINNATI, OH 45242 | HUMANA INSURANCE COMPANY | $2K | $337 | $2K | 10.31% |
| LANG FINANCIAL GROUP, INC.3 | 4225 MALSBARY ROAD SUITE 100 CINCINNATI, OH 45242 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| LANG FINANCIAL GROUP, INC.3 | 4225 MALSBARY ROAD SUITE 100 CINCINNATI, OH 45242 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $873 | — | $873 | 10.00% |
| GERALD MALCOLM WRIGHT3 | 499 WOODBINE COURT MAINEVILLE, OH 45039 | AFLAC | $14 | — | $14 | 3.59% |
| RALPH H KEELER3 Filed as: RALPH E JOHNSON | 24745 W MANOR DRIVE SHOREWOOD, IL 60404 | AFLAC | $13 | — | $13 | 3.33% |
| LANG FINANCIAL GROUP, INC.3 | 4225 MALSBARY ROAD SUITE 100 CINCINNATI, OH 45242 | AFLAC | $10 | — | $10 | 2.56% |
| MICHAEL E MCCARTHY3 | PO BOX 1047 DUNDEE, IL 60118 | AFLAC | $6 | — | $6 | 1.54% |
| BRIAN J DAY3 | 13189 HITCHING POST ROAD DEWITT, MI 48820 | AFLAC | $4 | — | $4 | 1.03% |
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 | 375 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 379 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN OF OHIO, INC. | 181 | $1.9M |
| Dental | HUMANA INSURANCE COMPANY | 210 | $94K |
| Vision | HUMANA INSURANCE COMPANY | 160 | $20K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 375 | $9K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 106 | $50K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 83 | $13K |
| Other(4 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 375 | $126K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 375 | — |
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.