| 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. | $63K | $768 | $63K | 2.95% |
| LANG FINANCIAL GROUP, INC.3 | 4225 MALSBARY ROAD SUITE 100 CINCINNATI, OH 45242 | HUMANA INSURANCE COMPANY | $3K | $2K | $6K | 6.06% |
| LANG FINANCIAL GROUP, INC.3 | 4225 MALSBARY ROAD SUITE 100 CINCINNATI, OH 45242 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $401 | $9K | 10.49% |
| LANG FINANCIAL GROUP, INC.3 | 4225 MALSBARY ROAD SUITE 100 CINCINNATI, OH 45242 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | — | $7K | 13.34% |
| BRIAN WHITNEY3 | 7113 BEST VIEW TR CINCINNATI, OH 45230 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | — | $6K | 11.07% |
| GREG A VAN LIEU3 | 11260 CHESTER RD SUITE 100 CINCINNATI, OH 45246 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 4.09% |
| GENESIS & ASSOCIATES LLC3 | 838 ACKLEY RD CINCINNATI, OH 45255 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 2.11% |
| MATTHEW D SMITH3 | 7905 TRANCES DR CINCINNATI, OH 45243 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 2.04% |
| GERALD MALCOLM WRIGHT3 Filed as: GERALD M WRIGHT | 499 WOODBINE COURT MAINEVILLE, OH 45039 | CONTINENTAL AMERICAN INSURANCE COMPANY | $711 | — | $711 | 1.43% |
| RALPH H KEELER3 Filed as: RALPH E JOHNSON | 24745 W MANOR DRIVE SHOREWOOD, IL 60404 | CONTINENTAL AMERICAN INSURANCE COMPANY | $277 | — | $277 | 0.56% |
| MICHAEL E MCCARTHY3 | PO BOX 1047 DUNDEE, IL 60118 | CONTINENTAL AMERICAN INSURANCE COMPANY | $204 | — | $204 | 0.41% |
| BRIAN J DAY3 | 8744 UNION CENTRE BOULEVARD WEST CHESTER, OH 45069 | CONTINENTAL AMERICAN INSURANCE COMPANY | $133 | — | $133 | 0.27% |
| RONALD J ZULLO3 | 6700 TOWERING RIDGE WAY APT 144 CINCINNATI, OH 45247 | CONTINENTAL AMERICAN INSURANCE COMPANY | $129 | — | $129 | 0.26% |
| YAFA OSONA3 | 6597 STEWART ROAD CINCINNATI, OH 45236 | CONTINENTAL AMERICAN INSURANCE COMPANY | $114 | — | $114 | 0.23% |
| CHRISTOPHER E BIALKA3 | 4460 BLACK OAK LANE MASON, OH 45040 | CONTINENTAL AMERICAN INSURANCE COMPANY | $83 | — | $83 | 0.17% |
| HARE AND ASSOCIATES LLC3 Filed as: HARE AND ASSOC LLC | 7814 CRAINDOW CT DUBLIN, OH 43014 | CONTINENTAL AMERICAN INSURANCE COMPANY | $82 | — | $82 | 0.16% |
| WILLIS TOWERS WATSON US LLC3 Filed as: KELLY S WILLIS | 5372 COTTAGE VIEW COURT LIBERTY TOWNSHIP, OH 45011 | CONTINENTAL AMERICAN INSURANCE COMPANY | $64 | — | $64 | 0.13% |
| CAROL L VENN3 | FIVE SPYGLASS CT CINCINNATI, OH 45241 | CONTINENTAL AMERICAN INSURANCE COMPANY | $61 | — | $61 | 0.12% |
| TERESA M ANTHONY3 | 3778 RIVERSIDE DRIVE MASON, OH 45040 | CONTINENTAL AMERICAN INSURANCE COMPANY | $47 | — | $47 | 0.09% |
| AMY B SHAH3 | 11260 CHESTER RD STE 100 CINCINNATI, OH 45246 | CONTINENTAL AMERICAN INSURANCE COMPANY | $43 | — | $43 | 0.09% |
| MELISSA A BRINKER3 | 8150 CORPORATE PARK DRIVE SUITE 222 CINCINNATI, OH 45242 | CONTINENTAL AMERICAN INSURANCE COMPANY | $26 | — | $26 | 0.05% |
| IAN B BRANYON3 | 8744 UNION CENTRE BOULEVARD WEST CHESTER, OH 45069 | CONTINENTAL AMERICAN INSURANCE COMPANY | $20 | — | $20 | 0.04% |
| INGER M PENNINGTON3 | 8744 UNION CENTRE DR WEST CHESTER, OH 45069 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15 | — | $15 | 0.03% |
| SHAWN M MCDERMOTT3 | 9543 CONKLIN AVENUE CINCINNATI, OH 45242 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15 | — | $15 | 0.03% |
| 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 | $7 | — | $7 | 0.01% |
| 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 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $254 | $5K | 10.52% |
| LANG FINANCIAL GROUP, INC.3 | 4225 MALSBARY ROAD SUITE 100 CINCINNATI, OH 45242 | HUMANA INSURANCE COMPANY | $2K | $486 | $2K | 10.94% |
| LANG FINANCIAL GROUP, INC.3 | 4225 MALSBARY ROAD SUITE 100 CINCINNATI, OH 45242 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $65 | $2K | 15.53% |
| LANG FINANCIAL GROUP, INC.3 | 4225 MALSBARY ROAD SUITE 100 CINCINNATI, OH 45242 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $900 | $44 | $944 | 10.50% |
| GERALD MALCOLM WRIGHT3 | 499 WOODBINE COURT MAINEVILLE, OH 45039 | AFLAC | $12 | — | $12 | 3.64% |
| RALPH H KEELER3 Filed as: RALPH E JOHNSON | 24745 W MANOR DRIVE SHOREWOOD, IL 60404 | AFLAC | $11 | — | $11 | 3.33% |
| LANG FINANCIAL GROUP, INC.3 | 4225 MALSBARY ROAD SUITE 100 CINCINNATI, OH 45242 | AFLAC | $8 | — | $8 | 2.42% |
| MICHAEL E MCCARTHY3 | PO BOX 1047 DUNDEE, IL 60118 | AFLAC | $5 | — | $5 | 1.52% |
| BRIAN J DAY3 | 13189 HITCHING POST ROAD DEWITT, MI 48820 | AFLAC | $3 | — | $3 | 0.91% |
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 | 373 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 376 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN OF OHIO, INC. | 192 | $2.1M |
| Dental | HUMANA INSURANCE COMPANY | 200 | $91K |
| Vision | HUMANA INSURANCE COMPANY | 148 | $20K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 373 | $9K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 94 | $49K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 94 | $12K |
| Other(4 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 373 | $141K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 373 | — |
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.