| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LANG FINANCIAL GROUP, INC.3 Filed as: LANG FINANCIAL GROUP INC | 4225 MALSBARY RD SUITE 100 CINCINNATI, NY 45242 | MEDICAL MUTUAL | $51K | $41K | $92K | 5.44% |
| LANG FINANCIAL GROUP, INC.3 | 4225 MALSBARY ROAD SUITE 100 CINCINNATI, OH 45242 | HUMANA HEALTH PLAN OF OHIO, INC. | $10K | $195 | $10K | 3.61% |
| 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 Filed as: LANG FINANCIAL GROUP INC | 4225 MALSBARY RD SUITE 100 CINCINNATI, OH 45242 | SUPERIOR DENTAL CARE | $4K | $20 | $4K | 5.64% |
| LANG FINANCIAL GROUP, INC.3 | 4225 MALSBARY ROAD SUITE 100 CINCINNATI, OH 45242 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| LANG FINANCIAL GROUP, INC.3 | 4225 MALSBARY ROAD SUITE 100 CINCINNATI, OH 45242 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 6.96% |
| BRIAN WHITNEY3 | 7113 BEST VIEW TR CINCINNATI, OH 45230 | CONTINENTAL AMERICAN INSURANCE COMPANY | $711 | — | $711 | 3.60% |
| GERALD MALCOLM WRIGHT3 Filed as: GERALD M WRIGHT | 499 WOODBINE COURT MAINEVILLE, OH 45039 | CONTINENTAL AMERICAN INSURANCE COMPANY | $574 | — | $574 | 2.91% |
| GREG A VAN LIEU3 | 11260 CHESTER RD SUITE 100 CINCINNATI, OH 45246 | CONTINENTAL AMERICAN INSURANCE COMPANY | $344 | — | $344 | 1.74% |
| MATTHEW D SMITH3 | 7905 TRANCES DR CINCINNATI, OH 45243 | CONTINENTAL AMERICAN INSURANCE COMPANY | $222 | — | $222 | 1.12% |
| GENESIS & ASSOCIATES LLC3 | 838 ACKLEY RD CINCINNATI, OH 45255 | CONTINENTAL AMERICAN INSURANCE COMPANY | $157 | — | $157 | 0.79% |
| RALPH H KEELER3 Filed as: RALPH E JOHNSON | 24745 W MANOR DRIVE SHOREWOOD, IL 60404 | CONTINENTAL AMERICAN INSURANCE COMPANY | $137 | — | $137 | 0.69% |
| RONALD J ZULLO3 | 6700 TOWERING RIDGE WAY APT 144 CINCINNATI, OH 45247 | CONTINENTAL AMERICAN INSURANCE COMPANY | $111 | — | $111 | 0.56% |
| MICHAEL E MCCARTHY3 | PO BOX 1047 DUNDEE, IL 60118 | CONTINENTAL AMERICAN INSURANCE COMPANY | $100 | — | $100 | 0.51% |
| CHRISTOPHER E BIALKA3 | 4460 BLACK OAK LANE MASON, OH 45040 | CONTINENTAL AMERICAN INSURANCE COMPANY | $75 | — | $75 | 0.38% |
| BRIAN J DAY3 | 8744 UNION CENTRE BOULEVARD WEST CHESTER, OH 45069 | CONTINENTAL AMERICAN INSURANCE COMPANY | $74 | — | $74 | 0.37% |
| HARE AND ASSOCIATES LLC3 Filed as: HARE AND ASSOC LLC | 7814 CRAINDOW CT DUBLIN, OH 43014 | CONTINENTAL AMERICAN INSURANCE COMPANY | $72 | — | $72 | 0.36% |
| YAFA OSONA3 | 6597 STEWART ROAD CINCINNATI, OH 45236 | CONTINENTAL AMERICAN INSURANCE COMPANY | $62 | — | $62 | 0.31% |
| WILLIS TOWERS WATSON US LLC3 Filed as: KELLY S WILLIS | 5372 COTTAGE VIEW COURT LIBERTY TOWNSHIP, OH 45011 | CONTINENTAL AMERICAN INSURANCE COMPANY | $58 | — | $58 | 0.29% |
| TERESA M ANTHONY3 | 3778 RIVERSIDE DRIVE MASON, OH 45040 | CONTINENTAL AMERICAN INSURANCE COMPANY | $54 | — | $54 | 0.27% |
| CAROL L VENN3 | FIVE SPYGLASS CT CINCINNATI, OH 45241 | CONTINENTAL AMERICAN INSURANCE COMPANY | $53 | — | $53 | 0.27% |
| AMY B SHAH3 | 11260 CHESTER RD STE 100 CINCINNATI, OH 45246 | CONTINENTAL AMERICAN INSURANCE COMPANY | $40 | — | $40 | 0.20% |
| MELISSA A BRINKER3 | 8150 CORPORATE PARK DRIVE SUITE 222 CINCINNATI, OH 45242 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21 | — | $21 | 0.11% |
| IAN B BRANYON3 | 8744 UNION CENTRE BOULEVARD WEST CHESTER, OH 45069 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16 | — | $16 | 0.08% |
| INGER M PENNINGTON3 | 8744 UNION CENTRE DR WEST CHESTER, OH 45069 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | — | $10 | 0.05% |
| SHAWN M MCDERMOTT3 | 9543 CONKLIN AVENUE CINCINNATI, OH 45242 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | — | $10 | 0.05% |
| WILLIS TOWERS WATSON US LLC3 Filed as: GAYLE A WILLIS | 5372 COTTAGE VIEW COURT LIBERTY TOWNSHIP, OH 45011 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | — | $9 | 0.05% |
| JAMES J GRETHEL3 | 865 CEDAR DRIVE LOVELAND, OH 45140 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.02% |
| J GAUDET LLC3 Filed as: J.GAUDET LLC | 11260 CHESTER RD STE 500 CINCINNATI, OH 45236 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.02% |
| WILLIAM ROBERTS3 | 3749 SACHEM AVE CINCINNATI, OH 45226 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| 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 | HUMANA INSURANCE COMPANY | $2K | — | $2K | 10.94% |
| LANG FINANCIAL GROUP, INC.3 | 4225 MALSBARY ROAD SUITE 100 CINCINNATI, OH 45242 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $938 | — | $938 | 10.00% |
| 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 | 364 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 366 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | MEDICAL MUTUAL | 191 | $2.0M |
| Dental(2 contracts, 2 carriers) | SUPERIOR DENTAL CARE | 210 | $88K |
| Vision(2 contracts, 2 carriers) | MEDICAL MUTUAL | 207 | $1.7M |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 364 | $9K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 87 | $43K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 111 | $16K |
| Prescription drug | MEDICAL MUTUAL | 191 | $1.7M |
| Other(4 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 364 | $105K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 364 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.