| 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 | 2.61% |
| KRISTY J FISHBACK3 | PO BOX 405 BATAVIA, OH 45103 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 2.67% |
| LANG FINANCIAL GROUP, INC.3 | 4225 MALSBARY ROAD SUITE 100 CINCINNATI, OH 45242 | CONTINENTAL AMERICAN INSURANCE COMPANY | $896 | — | $896 | 1.80% |
| MARK E CASE3 | 6821 WELLINGTON PLACE CASTLE PINES, CO 80108 | CONTINENTAL AMERICAN INSURANCE COMPANY | $413 | — | $413 | 0.83% |
| GENESIS & ASSOCIATES LLC3 Filed as: GENESIS & ASSOCIATES, LLC | 838 ACKLEY ROAD CINCINNATI, OH 45255 | CONTINENTAL AMERICAN INSURANCE COMPANY | $310 | — | $310 | 0.62% |
| MICHAEL D AISSEN3 | 920 HOLCOMB BRIDGE ROAD SUITE 200 ROSWELL, GA 30076 | CONTINENTAL AMERICAN INSURANCE COMPANY | $287 | — | $287 | 0.58% |
| CHRISTOPHER E BIALKA3 | 4460 BLACK OAK LANE MASON, OH 45040 | CONTINENTAL AMERICAN INSURANCE COMPANY | $276 | — | $276 | 0.56% |
| BRIAN J DAY3 | 8744 UNION CENTRE BOULEVARD WEST CHESTER, OH 45069 | CONTINENTAL AMERICAN INSURANCE COMPANY | $267 | — | $267 | 0.54% |
| THOMAS FISHBACK3 | PO BOX 405 BATAVIA, OH 45103 | CONTINENTAL AMERICAN INSURANCE COMPANY | $133 | — | $133 | 0.27% |
| GROVE FINANCIAL LLC3 Filed as: GROVE FINANCIAL, LLC | 6482 SHAWNEE RUN ROAD CINCINNATI, OH 45243 | CONTINENTAL AMERICAN INSURANCE COMPANY | $117 | — | $117 | 0.24% |
| CHRIS D BOULDREY3 | 340 WOOD HILLS DRIVE CONCORD, MI 49237 | CONTINENTAL AMERICAN INSURANCE COMPANY | $56 | — | $56 | 0.11% |
| JAMES J GRETHEL3 | 865 CEDAR DRIVE LOVELAND, OH 45140 | CONTINENTAL AMERICAN INSURANCE COMPANY | $46 | — | $46 | 0.09% |
| SHAWN M MCDERMOTT3 | 9543 CONKLIN AVENUE CINCINNATI, OH 45242 | CONTINENTAL AMERICAN INSURANCE COMPANY | $45 | — | $45 | 0.09% |
| INGER M PENNINGTON3 | 7179 HONEYWOOD COURT CINCINNATI, OH 45230 | CONTINENTAL AMERICAN INSURANCE COMPANY | $32 | — | $32 | 0.06% |
| IAN B BRANYON3 | 8744 UNION CENTRE BOULEVARD WEST CHESTER, OH 45069 | CONTINENTAL AMERICAN INSURANCE COMPANY | $25 | — | $25 | 0.05% |
| WILLIAM ROBERTS3 | 3749 SACHEM AVE CINCINNATI, OH 45226 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 0.01% |
| LANG FINANCIAL GROUP, INC.3 | 4225 MALSBARY ROAD SUITE 100 CINCINNATI, OH 45242 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $603 | $5K | 11.49% |
| CLEVELAND MCCALLISTER3 | 30 MACY STREET DAYTON, OH 45415 | AFLAC | $1K | — | $1K | 5.23% |
| LANG FINANCIAL GROUP, INC.3 | 4225 MALSBARY ROAD SUITE 100 CINCINNATI, OH 45242 | AFLAC | $530 | — | $530 | 1.92% |
| MICHAEL C WALKER3 Filed as: MICHAEL REBER | 20101 HERON CROSSING DRIVE TAMPA, FL 33647 | AFLAC | $299 | — | $299 | 1.08% |
| LEE ROY YOUNG ENTERPRISES3 Filed as: LEE ROY YOUNG | 76 N BICKETT RD XENIA, OH 45385 | AFLAC | $286 | — | $286 | 1.04% |
| KK BENEFITS, LLC3 | 9612 MANDEL DRIVE DAYTON, OH 45458 | AFLAC | $194 | — | $194 | 0.70% |
| BRIAN DAY3 | 13189 HITCHING POST ROAD DEWITT, MI 48820 | AFLAC | $124 | — | $124 | 0.45% |
| KYLE DUANE DAFLER3 Filed as: KYLE DAFLER | 2431 HAWKINS ROAD RICHMOND, IN 47374 | AFLAC | $100 | $5 | $105 | 0.38% |
| MATTHEW HAND3 | 10113 KINGSHYRE WAY TAMPA, FL 33647 | AFLAC | $76 | — | $76 | 0.28% |
| ALISON L PFEIFFER3 | 377 CLEAR SPRINGS CT CARLISE, OH 45005 | AFLAC | $36 | $25 | $61 | 0.22% |
| KEVIN MURPHY3 Filed as: KEVIN SVARDA ENTERPRISES, LLC | 7961 WASHINGTON WOODS DR DAYTON, OH 45459 | AFLAC | $44 | — | $44 | 0.16% |
| CHRISTOPHER D BOULDREY3 Filed as: CHRISTOPHER BOULDREY | PO BOX 602 CONCORD, MI 49237 | AFLAC | $26 | — | $26 | 0.09% |
| LEE ROY YOUNG ENTERPRISES3 Filed as: LEE ROY YOUNG | 816 POWELL AVENUE MIAMISBURG, OH 45342 | AFLAC | $26 | — | $26 | 0.09% |
| IAN B BRANYON3 Filed as: IAN BRANYON | 2301 LUCIEN WAY SUITE 150 MAITLAND, FL 32751 | AFLAC | $15 | — | $15 | 0.05% |
| AMY C O'CONNOR3 | 559 WOODVIEW DR DAYTON, OH 45419 | AFLAC | $9 | $5 | $14 | 0.05% |
| JESSICA L MCGINNITY3 Filed as: JESSICA LYNN DAVIS | 1954 TURNBULL ROAD DAYTON, OH 45432 | AFLAC | $11 | — | $11 | 0.04% |
| MATTHEW R CALICOAT3 | 10680 PUTNAM RD ENGLEWOOD, OH 45322 | AFLAC | $6 | — | $6 | 0.02% |
| SHAWN MARTIN MCDERMOTT3 | 9543 CONKLIN AVENUE CINCINNATI, OH 45242 | AFLAC | $6 | — | $6 | 0.02% |
| INGER M PENNINGTON3 Filed as: INGER PENNINGTON | 1369 BERKSHIRE DR MILFORD, OH 45150 | AFLAC | $6 | — | $6 | 0.02% |
| WILLIAM ROBERTS3 | 3749 SACHEM AVENUE CINCINNATI, OH 45226 | AFLAC | $6 | — | $6 | 0.02% |
| KEVIN MURPHY3 Filed as: KEVIN SVARDA ENTERPRISES LLC | 1828 IRIS TRL WAYNESVILLE, OH 45068 | AFLAC | $4 | — | $4 | 0.01% |
| MATTHEW R CALICOAT3 | 24250 N 23RD AVE UNIT 1204 PHOENIX, AZ 85085 | AFLAC | $3 | — | $3 | 0.01% |
| MATTHEW R CALICOAT3 | 42031 N 45TH DR PHOENIX, AZ 85086 | AFLAC | $3 | — | $3 | 0.01% |
| AMY O'CONNOR3 | 4118 GAGE WAY TIPP CITY, OH 45371 | AFLAC | $2 | — | $2 | 0.01% |
| LEE ROY YOUNG ENTERPRISES3 Filed as: LEE ROY YOUNG | 6746 CARINTHIA DRIVE DAYTON, OH 45459 | AFLAC | $2 | — | $2 | 0.01% |
| KRISTY J FISHBACK3 Filed as: KRISTY FISHBACK | PO BOX 405 BATAVIA, OH 45103 | AFLAC | $702 | — | $702 | 3.01% |
| LANG FINANCIAL GROUP, INC.3 | 4225 MALSBARY ROAD SUITE 100 CINCINNATI, OH 45242 | AFLAC | $454 | — | $454 | 1.94% |
| MICHAEL AISSEN3 | 920 HOLCOMB BRIDGE ROAD SUITE 200 ROSWELL, GA 30076 | AFLAC | $259 | — | $259 | 1.11% |
| THOMAS M FISHBACK3 | 600 LEGENDARY LANE CINCINNATI, OH 45255 | AFLAC | $251 | — | $251 | 1.07% |
| GENESIS & ASSOCIATES LLC3 Filed as: GENESIS & ASSOCIATES, LLC | 838 ACKLEY ROAD CINCINNATI, OH 45255 | AFLAC | $199 | — | $199 | 0.85% |
| MARK EDWARD CASE3 | 6821 WELLINGTON PLACE CASTLE PINES, CO 80108 | AFLAC | $134 | — | $134 | 0.57% |
| BRIAN DAY3 | 13189 HITCHING POST ROAD DEWITT, MI 48820 | AFLAC | $103 | — | $103 | 0.44% |
| THOMAS FISHBACK3 | PO BOX 405 BATAVIA, OH 45103 | AFLAC | $94 | — | $94 | 0.40% |
| KATHRYN HOFFMAN3 | 755 DORGENE LANE CINCINNATI, OH 45244 | AFLAC | $87 | — | $87 | 0.37% |
| CHRIS BIALKA3 | 5510 SENTINEL OAK DR MASON, OH 45040 | AFLAC | $85 | — | $85 | 0.36% |
| JEFFREY W XAVER3 | 5300 EAGLES NEST LANE LELAND, MI 49654 | AFLAC | $50 | — | $50 | 0.21% |
| GROVE FINANCIAL LLC3 Filed as: GROVE FINANCIAL, LLC | 4502 GLENBROOK DRIVE PALM HARBOR, FL 34683 | AFLAC | $43 | — | $43 | 0.18% |
| SCOTT A SMITH3 Filed as: SCOTT SMITH | 5300 OAKBROOK PARKWAY SUITE 300 NORCROSS, GA 30093 | AFLAC | $33 | — | $33 | 0.14% |
| CHRISTOPHER D BOULDREY3 Filed as: CHRISTOPHER BOULDREY | PO BOX 602 CONCORD, MI 49237 | AFLAC | $32 | — | $32 | 0.14% |
| SHAWN MARTIN MCDERMOTT3 | 9543 CONKLIN AVENUE CINCINNATI, OH 45242 | AFLAC | $13 | — | $13 | 0.06% |
| JAIME MASON GAUDET3 | 11260 CHESTER ROAD SUITE 500 CINCINNATI, OH 45246 | AFLAC | $12 | — | $12 | 0.05% |
| INGER M PENNINGTON3 Filed as: INGER PENNINGTON | 1369 BERKSHIRE DR MILFORD, OH 45150 | AFLAC | $10 | — | $10 | 0.04% |
| IAN B BRANYON3 Filed as: IAN BRANYON | 2301 LUCIEN WAY SUITE 150 MAITLAND, FL 32751 | AFLAC | $8 | — | $8 | 0.03% |
| LORI ANN KNAB3 | 3792 HUBBLE RD CINCINNATI, OH 45247 | AFLAC | $7 | — | $7 | 0.03% |
| LANG FINANCIAL GROUP, INC.3 | 4225 MALSBARY ROAD SUITE 100 CINCINNATI, OH 45242 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $313 | $2K | 11.50% |
| KRISTY J FISHBACK3 Filed as: KRISTY FISHBACK | PO BOX 405 BATAVIA, OH 45103 | AFLAC | $685 | — | $685 | 3.45% |
| LANG FINANCIAL GROUP, INC.3 | 4225 MALSBARY ROAD SUITE 100 CINCINNATI, OH 45242 | AFLAC | $295 | — | $295 | 1.48% |
| GENESIS & ASSOCIATES LLC3 Filed as: GENESIS & ASSOCIATES, LLC | 838 ACKLEY ROAD CINCINNATI, OH 45255 | AFLAC | $187 | — | $187 | 0.94% |
| MICHAEL AISSEN3 | 920 HOLCOMB BRIDGE ROAD SUITE 200 ROSWELL, GA 30076 | AFLAC | $119 | — | $119 | 0.60% |
| THOMAS M FISHBACK3 | 600 LEGENDARY LANE CINCINNATI, OH 45255 | AFLAC | $114 | — | $114 | 0.57% |
| BRIAN J DAY3 | 13189 HITCHING POST ROAD DEWITT, MI 48820 | AFLAC | $111 | — | $111 | 0.56% |
| MARK EDWARD CASE3 | 6821 WELLINGTON PLACE CASTLE PINES, CO 80108 | AFLAC | $81 | — | $81 | 0.41% |
| SCOTT A SMITH3 Filed as: SCOTT SMITH | 5300 OAKBROOK PARKWAY, BUILDING 300 SUITE 350 NORCROSS, GA 30093 | AFLAC | $78 | — | $78 | 0.39% |
| THOMAS FISHBACK3 | PO BOX 405 BATAVIA, OH 45103 | AFLAC | $57 | — | $57 | 0.29% |
| CHRIS BIALKA3 | 5510 SENTINEL OAK DR MASON, OH 45040 | AFLAC | $55 | — | $55 | 0.28% |
| KATHRYN HOFFMAN3 | 755 DORGENE LANE CINCINNATI, OH 45244 | AFLAC | $54 | — | $54 | 0.27% |
| GROVE FINANCIAL LLC3 Filed as: GROVE FINANCIAL, LLC | 4502 GLENBROOK DRIVE PALM HARBOR, FL 34683 | AFLAC | $43 | — | $43 | 0.22% |
| JAMES J GRETHEL3 Filed as: JAMES GRETHEL | 865 CEDAR DRIVE LOVELAND, OH 45140 | AFLAC | $41 | — | $41 | 0.21% |
| CHRISTOPHER D BOULDREY3 Filed as: CHRISTOPHER BOULDREY | PO BOX 602 CONCORD, MI 49237 | AFLAC | $25 | — | $25 | 0.13% |
| JEFFREY D HARNED3 Filed as: JEFFREY XAVER | 5300 EAGLES NEST LANE LELAND, MI 49654 | AFLAC | $21 | — | $21 | 0.11% |
| CARLA CARR3 | PO BOX 176603 FORT MITCHELL, KY 41017 | AFLAC | $21 | — | $21 | 0.11% |
| RUTH WOLFANGEL3 | 8034 WITTS MILL LANE CINCINNATI, OH 45255 | AFLAC | $14 | — | $14 | 0.07% |
| INGER M PENNINGTON3 Filed as: INGER PENNINGTON | 7179 HONEYWOOD COURT CINCINNATI, OH 45230 | AFLAC | $9 | — | $9 | 0.05% |
| IAN B BRANYON3 Filed as: IAN BRANYON | 2301 LUCIEN WAY SUITE 150 MAITLAND, FL 32751 | AFLAC | $6 | — | $6 | 0.03% |
| SHAWN MARTIN MCDERMOTT3 | 9543 CONKLIN AVENUE CINCINNATI, OH 45242 | AFLAC | $6 | — | $6 | 0.03% |
| CAROL MULLEN3 | 1708 MOUNT VERNON DRIVE COVINGTON, KY 41011 | AFLAC | $6 | — | $6 | 0.03% |
| MICHAEL C WALKER3 Filed as: MICHAEL QUINN | 8580 MAJORCA LANE NAPLES, FL 34114 | AFLAC | $3 | — | $3 | 0.02% |
| RONALD J GRETHEL3 Filed as: RONALD GRETHEL | 648 HANNA AVENUE LOVELAND, OH 45140 | AFLAC | $1 | — | $1 | 0.01% |
| WILLIAM ROBERTS3 | 3749 SACHEM AVENUE CINCINNATI, OH 45226 | AFLAC | $1 | — | $1 | 0.01% |
| JOHN C RASCHELLA3 | 20521 TAHITIAN BLVD ESTERO, FL 33928 | AFLAC | $1 | — | $1 | 0.01% |
| KRISTY J FISHBACK3 Filed as: KRISTY FISHBACK | PO BOX 405 BATAVIA, OH 45103 | AFLAC | $356 | — | $356 | 2.41% |
| LANG FINANCIAL GROUP, INC.3 | 4225 MALSBARY ROAD SUITE 100 CINCINNATI, OH 45242 | AFLAC | $260 | — | $260 | 1.76% |
| THOMAS M FISHBACK3 | 600 LEGENDARY LN CINCINNATI, OH 45255 | AFLAC | $209 | — | $209 | 1.42% |
| GENESIS & ASSOCIATES LLC3 Filed as: GENESIS & ASSOCIATES, LLC | 838 ACKLEY ROAD CINCINNATI, OH 45255 | AFLAC | $176 | — | $176 | 1.19% |
| MARK EDWARD CASE3 | 6821 WELLINGTON PLACE CASTLE PINES, CO 80108 | AFLAC | $122 | — | $122 | 0.83% |
| THOMAS FISHBACK3 | PO BOX 405 BATAVIA, OH 45103 | AFLAC | $105 | — | $105 | 0.71% |
| MICHAEL AISSEN3 | 920 HOLCOMB BRIDGE ROAD SUITE 200 ROSWELL, GA 30076 | AFLAC | $87 | — | $87 | 0.59% |
| BRIAN DAY3 | 13189 HITCHING POST ROAD DEWITT, MI 48820 | AFLAC | $71 | — | $71 | 0.48% |
| CHRIS BIALKA3 | 5510 SENTINEL OAK DR MASON, OH 45040 | AFLAC | $70 | — | $70 | 0.47% |
| GROVE FINANCIAL LLC3 Filed as: GROVE FINANCIAL, LLC | 4502 GLENBROOK DRIVE PALM HARBOR, FL 34683 | AFLAC | $56 | — | $56 | 0.38% |
| KATHRYN HOFFMAN3 | 755 DORGENE LANE CINCINNATI, OH 45244 | AFLAC | $33 | — | $33 | 0.22% |
| SCOTT A SMITH3 Filed as: SCOTT SMITH | 5300 OAKBROOK PARKWAY SUITE 300 NORCROSS, GA 30093 | AFLAC | $29 | — | $29 | 0.20% |
| CHRISTOPHER D BOULDREY3 Filed as: CHRISTOPHER BOULDREY | PO BOX 602 CONCORD, MI 49237 | AFLAC | $16 | — | $16 | 0.11% |
| JAMES J GRETHEL3 Filed as: JAMES GRETHEL | 865 CEDAR DRIVE LOVELAND, OH 45140 | AFLAC | $15 | — | $15 | 0.10% |
| IAN B BRANYON3 Filed as: IAN BRANYON | 2301 LUCIEN WAY SUITE 150 MAITLAND, FL 32751 | AFLAC | $10 | — | $10 | 0.07% |
| SHAWN M MCDERMOTT3 Filed as: SHAWN MCDERMOTT | 9543 CONKLIN AVENUE CINCINNATI, OH 45242 | AFLAC | $9 | — | $9 | 0.06% |
| JEFFREY W XAVER3 Filed as: JEFFREY XAVIER | 5300 EAGLES NEST LANE LELAND, MI 49654 | AFLAC | $8 | — | $8 | 0.05% |
| INGER M PENNINGTON3 Filed as: INGER PENNINGTON | 1369 BERKSHIRE DR MILFORD, OH 45150 | AFLAC | $7 | — | $7 | 0.05% |
| WILLIAM ROBERTS3 | 3749 SACHEM AVENUE CINCINNATI, OH 45226 | AFLAC | $2 | — | $2 | 0.01% |
| LANG FINANCIAL GROUP, INC.3 | 4225 MALSBARY ROAD SUITE 100 CINCINNATI, OH 45242 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $916 | $333 | $1K | 13.63% |
| LANG FINANCIAL GROUP, INC.3 | 4225 MALSBARY ROAD SUITE 100 CINCINNATI, OH 45242 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $617 | — | $617 | 9.99% |
| LANG FINANCIAL GROUP, INC.3 | 4225 MALSBARY ROAD SUITE 100 CINCINNATI, OH 45242 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $511 | $152 | $663 | 12.99% |
| CLEVELAND S MCCALLISTER3 | 30 MACY STREET DAYTON, OH 45415 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 2.50% |
| LANG FINANCIAL GROUP, INC.3 | 4225 MALSBARY ROAD SUITE 100 CINCINNATI, OH 45242 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 1.88% |
| LEE ROY YOUNG ENTERPRISES3 | 816 POWELL AVENUE MIAMISBURG, OH 45342 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 1.88% |
| KEVIN MURPHY3 Filed as: KEVIN SVARDA ENTERPRISES, LLC | 1828 IRIS TRAIL WAYNESVILLE, OH 45068 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 1.25% |
| KRISTY J FISHBACK3 | PO BOX 405 BATAVIA, OH 45103 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.63% |
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 | 201 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 204 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 428 | $1.8M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 428 | $1.8M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 428 | $1.8M |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 201 | $6K |
| Short-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 45 | $26K |
| Long-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 39 | $50K |
| Other(7 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 325 | $142K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 428 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.