| 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. | $74K | $16K | $91K | 5.01% |
| LANG FINANCIAL GROUP, INC.3 | 4225 MALSBARY ROAD SUITE 100 CINCINNATI, OH 45242 | HUMANA INSURANCE COMPANY | $5K | $1K | $6K | 6.31% |
| LANG FINANCIAL GROUP, INC.3 | 4225 MALSBARY ROAD SUITE 100 CINCINNATI, OH 45242 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| KRISTY J FISHBACK3 | PO BOX 405 BATAVIA, OH 45103 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 2.71% |
| LANG FINANCIAL GROUP, INC.3 | 4225 MALSBARY ROAD SUITE 100 CINCINNATI, OH 45242 | CONTINENTAL AMERICAN INSURANCE COMPANY | $678 | — | $678 | 1.84% |
| MARK E CASE3 | 6821 WELLINGTON PLACE CASTLE PINES, CO 80108 | CONTINENTAL AMERICAN INSURANCE COMPANY | $287 | — | $287 | 0.78% |
| GENESIS & ASSOCIATES LLC3 Filed as: GENESIS & ASSOCIATES, LLC | 838 ACKLEY ROAD CINCINNATI, OH 45255 | CONTINENTAL AMERICAN INSURANCE COMPANY | $252 | — | $252 | 0.68% |
| CHRISTOPHER E BIALKA3 | 4460 BLACK OAK LANE MASON, OH 45040 | CONTINENTAL AMERICAN INSURANCE COMPANY | $223 | — | $223 | 0.60% |
| MICHAEL D AISSEN3 | 920 HOLCOMB BRIDGE ROAD SUITE 200 ROSWELL, GA 30076 | CONTINENTAL AMERICAN INSURANCE COMPANY | $200 | — | $200 | 0.54% |
| BRIAN J DAY3 | 8744 UNION CENTRE BOULEVARD WEST CHESTER, OH 45069 | CONTINENTAL AMERICAN INSURANCE COMPANY | $200 | — | $200 | 0.54% |
| THOMAS FISHBACK3 | PO BOX 405 BATAVIA, OH 45103 | CONTINENTAL AMERICAN INSURANCE COMPANY | $106 | — | $106 | 0.29% |
| GROVE FINANCIAL LLC3 Filed as: GROVE FINANCIAL, LLC | 6482 SHAWNEE RUN ROAD CINCINNATI, OH 45243 | CONTINENTAL AMERICAN INSURANCE COMPANY | $98 | — | $98 | 0.27% |
| CHRIS D BOULDREY3 | 340 WOOD HILLS DRIVE CONCORD, MI 49237 | CONTINENTAL AMERICAN INSURANCE COMPANY | $41 | — | $41 | 0.11% |
| JAMES J GRETHEL3 | 865 CEDAR DRIVE LOVELAND, OH 45140 | CONTINENTAL AMERICAN INSURANCE COMPANY | $40 | — | $40 | 0.11% |
| INGER M PENNINGTON3 | 7179 HONEYWOOD COURT CINCINNATI, OH 45230 | CONTINENTAL AMERICAN INSURANCE COMPANY | $23 | — | $23 | 0.06% |
| IAN B BRANYON3 | 8744 UNION CENTRE BOULEVARD WEST CHESTER, OH 45069 | CONTINENTAL AMERICAN INSURANCE COMPANY | $19 | — | $19 | 0.05% |
| SHAWN M MCDERMOTT3 | 9543 CONKLIN AVENUE CINCINNATI, OH 45242 | CONTINENTAL AMERICAN INSURANCE COMPANY | $18 | — | $18 | 0.05% |
| WILLIAM ROBERTS3 | 3749 SACHEM AVE CINCINNATI, OH 45226 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| KRISTY J FISHBACK3 Filed as: KRISTY FISHBACK | PO BOX 405 BATAVIA, OH 45103 | AFLAC | $716 | — | $716 | 2.62% |
| LANG FINANCIAL GROUP, INC.3 | 4225 MALSBARY ROAD SUITE 100 CINCINNATI, OH 45242 | AFLAC | $537 | — | $537 | 1.96% |
| THOMAS M FISHBACK3 | 1103 GLEN ECHO LN MILFORD, OH 45150 | AFLAC | $503 | — | $503 | 1.84% |
| MICHAEL AISSEN3 | 920 HOLCOMB BRIDGE ROAD SUITE 200 ROSWELL, GA 30076 | AFLAC | $277 | — | $277 | 1.01% |
| GENESIS & ASSOCIATES LLC3 Filed as: GENESIS & ASSOCIATES, LLC | 838 ACKLEY ROAD CINCINNATI, OH 45255 | AFLAC | $242 | — | $242 | 0.89% |
| MARK EDWARD CASE3 | 6821 WELLINGTON PLACE CASTLE PINES, CO 80108 | AFLAC | $153 | — | $153 | 0.56% |
| KATHRYN HOFFMAN3 Filed as: KATHRYN E HOFFMAN | 755 DORGENE LANE CINCINNATI, OH 45244 | AFLAC | $128 | — | $128 | 0.47% |
| BRIAN J DAY3 | 13189 HITCHING POST ROAD DEWITT, MI 48820 | AFLAC | $120 | — | $120 | 0.44% |
| CHRIS BIALKA3 | 5510 SENTINEL OAK DR MASON, OH 45040 | AFLAC | $102 | — | $102 | 0.37% |
| JEFFREY W XAVER3 | PO BOX 809 LELAND, MI 49654 | AFLAC | $52 | — | $52 | 0.19% |
| CHRISTOPHER D BOULDREY3 Filed as: CHRISTOPHER BOULDREY | PO BOX 602 CONCORD, MI 49237 | AFLAC | $38 | — | $38 | 0.14% |
| GROVE FINANCIAL LLC3 Filed as: GROVE FINANCIAL, LLC | 4502 GLENBROOK DRIVE PALM HARBOR, FL 34683 | AFLAC | $31 | — | $31 | 0.11% |
| SCOTT A SMITH3 Filed as: SCOTT SMITH | 5300 OAKBROOK PARKWAY SUITE 300 NORCROSS, GA 30093 | AFLAC | $30 | — | $30 | 0.11% |
| SHAWN MARTIN MCDERMOTT3 | 9543 CONKLIN AVENUE CINCINNATI, OH 45242 | AFLAC | $16 | — | $16 | 0.06% |
| INGER M PENNINGTON3 Filed as: INGER PENNINGTON | 1369 BERKSHIRE DR MILFORD, OH 45150 | AFLAC | $12 | — | $12 | 0.04% |
| IAN B BRANYON3 Filed as: IAN BRANYON | 9300 HARRIS CORNERS PKWY SUITE 100 CHARLOTTE, NC 28269 | AFLAC | $10 | — | $10 | 0.04% |
| LORI ANN KNAB3 | 6803 SUMMIT LAKE DR CINCINNATI, OH 45247 | AFLAC | $10 | — | $10 | 0.04% |
| LANG FINANCIAL GROUP, INC.3 | 4225 MALSBARY ROAD SUITE 100 CINCINNATI, OH 45242 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| LANG FINANCIAL GROUP, INC.3 | 4225 MALSBARY ROAD SUITE 100 CINCINNATI, OH 45242 | AFLAC | $2K | — | $2K | 8.81% |
| CLEVELAND MCCALLISTER3 | 377 ECHO VALLEY DR VANDALIA, OH 45377 | AFLAC | $991 | — | $991 | 4.77% |
| LEE ROY YOUNG ENTERPRISES3 Filed as: LEE ROY YOUNG | 76 N BICKETT RD XENIA, OH 45385 | AFLAC | $198 | — | $198 | 0.95% |
| MICHAEL C WALKER3 Filed as: MICHAEL REBER | 20101 HERON CROSSING DRIVE TAMPA, FL 33647 | AFLAC | $197 | — | $197 | 0.95% |
| KK BENEFITS, LLC3 | 9612 MANDEL DRIVE DAYTON, OH 45458 | AFLAC | $82 | — | $82 | 0.39% |
| BRIAN J DAY3 | 13189 HITCHING POST ROAD DEWITT, MI 48820 | AFLAC | $77 | — | $77 | 0.37% |
| KYLE DUANE DAFLER3 | 2431 HAWKINS ROAD RICHMOND, IN 47374 | AFLAC | $70 | — | $70 | 0.34% |
| KATHRINE ANN BRAMLAGE7 | 9612 MANDEL DR DAYTON, OH 45458 | AFLAC | $39 | — | $39 | 0.19% |
| KEVIN MURPHY3 Filed as: KEVIN SVARDA ENTERPRISES, LLC | 375 INDUSTRY DR STE A FRANKLIN, OH 45005 | AFLAC | $25 | — | $25 | 0.12% |
| CHRISTOPHER D BOULDREY3 Filed as: CHRISTOPHER BOULDREY | PO BOX 602 CONCORD, MI 49237 | AFLAC | $19 | — | $19 | 0.09% |
| MATTHEW HAND3 Filed as: MATTHEW R HAND | 8508 PARROTS LANDING DR TAMPA, FL 33647 | AFLAC | $13 | — | $13 | 0.06% |
| LEE ROY YOUNG ENTERPRISES3 Filed as: LEE ROY YOUNG | 76 N BICKETT RD XENIA, OH 45385 | AFLAC | $11 | — | $11 | 0.05% |
| JESSICA L MCGINNITY3 Filed as: JESSICA LYNN DAVIS | 1954 TURNBULL ROAD DAYTON, OH 45432 | AFLAC | $6 | — | $6 | 0.03% |
| IAN B BRANYON3 | 9300 HARRIS CORNERS PKWY SUITE 100 CHARLOTTE, NC 28269 | AFLAC | $5 | — | $5 | 0.02% |
| SHAWN MARTIN MCDERMOTT3 | 9543 CONKLIN AVENUE CINCINNATI, OH 45242 | AFLAC | $3 | — | $3 | 0.01% |
| INGER M PENNINGTON3 Filed as: INGER PENNINGTON | 1369 BERKSHIRE DR MILFORD, OH 45150 | AFLAC | $3 | — | $3 | 0.01% |
| WILLIAM ROBERTS3 | 3749 SACHEM AVENUE CINCINNATI, OH 45226 | AFLAC | $3 | — | $3 | 0.01% |
| KRISTY J FISHBACK3 | PO BOX 405 BATAVIA, OH 45103 | AFLAC | $597 | — | $597 | 3.31% |
| LANG FINANCIAL GROUP, INC.3 | 4225 MALSBARY ROAD SUITE 100 CINCINNATI, OH 45242 | AFLAC | $267 | — | $267 | 1.48% |
| THOMAS M FISHBACK3 | 1103 GLEN ECHO LN MILFORD, OH 45150 | AFLAC | $174 | — | $174 | 0.97% |
| GENESIS & ASSOCIATES LLC3 Filed as: GENESIS & ASSOCIATES, LLC | 838 ACKLEY ROAD CINCINNATI, OH 45255 | AFLAC | $149 | — | $149 | 0.83% |
| MICHAEL AISSEN3 | 920 HOLCOMB BRIDGE ROAD SUITE 200 ROSWELL, GA 30076 | AFLAC | $112 | — | $112 | 0.62% |
| BRIAN J DAY3 | 13189 HITCHING POST ROAD DEWITT, MI 48820 | AFLAC | $100 | — | $100 | 0.55% |
| SCOTT A SMITH3 | 5300 OAKBROOK PARKWAY, BUILDING 300 SUITE 350 NORCROSS, GA 30093 | AFLAC | $78 | — | $78 | 0.43% |
| MARK EDWARD CASE3 | 6821 WELLINGTON PLACE CASTLE PINES, CO 80108 | AFLAC | $67 | — | $67 | 0.37% |
| KATHRYN HOFFMAN3 | 755 DORGENE LANE CINCINNATI, OH 45244 | AFLAC | $55 | — | $55 | 0.31% |
| CHRIS BIALKA3 | 5510 SENTINEL OAK DR MASON, OH 45040 | AFLAC | $40 | — | $40 | 0.22% |
| JAMES J GRETHEL3 Filed as: JAMES GRETHEL | 865 CEDAR DRIVE LOVELAND, OH 45140 | AFLAC | $33 | — | $33 | 0.18% |
| GROVE FINANCIAL LLC3 Filed as: GROVE FINANCIAL, LLC | 4502 GLENBROOK DRIVE PALM HARBOR, FL 34683 | AFLAC | $31 | — | $31 | 0.17% |
| CHRISTOPHER D BOULDREY3 Filed as: CHRISTOPHER BOULDREY | PO BOX 602 CONCORD, MI 49237 | AFLAC | $24 | — | $24 | 0.13% |
| JEFFREY D HARNED3 Filed as: JEFFREY XAVER | PO BOX 809 LELAND, MI 49654 | AFLAC | $21 | — | $21 | 0.12% |
| CARLA CARR3 Filed as: CARLA A CARR | PO BOX 176603 FORT MITCHELL, KY 41017 | AFLAC | $21 | — | $21 | 0.12% |
| RUTH WOLFANGEL3 | 8034 WITTS MILL LANE CINCINNATI, OH 45255 | AFLAC | $14 | — | $14 | 0.08% |
| INGER M PENNINGTON3 Filed as: INGER PENNINGTON | 1369 BERKSHIRE DR MILFORD, OH 45150 | AFLAC | $8 | — | $8 | 0.04% |
| SHAWN MARTIN MCDERMOTT3 | 9543 CONKLIN AVENUE CINCINNATI, OH 45242 | AFLAC | $6 | — | $6 | 0.03% |
| CAROL MULLEN3 Filed as: CAROL A MULLEN | 1708 MOUNT VERNON DRIVE COVINGTON, KY 41011 | AFLAC | $6 | — | $6 | 0.03% |
| IANB BRANYON3 | 9300 HARRIS CORNERS PKWY SUITE 100 CHARLOTTE, NC 28269 | AFLAC | $4 | — | $4 | 0.02% |
| MICHAEL J QUINN3 | 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% |
| 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 | $248 | — | $248 | 2.31% |
| THOMAS M FISHBACK3 | 1103 GLEN ECHO LANE MILFORD, OH 45150 | AFLAC | $230 | — | $230 | 2.14% |
| LANG FINANCIAL GROUP, INC.3 | 4225 MALSBARY ROAD SUITE 100 CINCINNATI, OH 45242 | AFLAC | $202 | — | $202 | 1.88% |
| GENESIS & ASSOCIATES LLC3 Filed as: GENESIS & ASSOCIATES, LLC | 838 ACKLEY ROAD CINCINNATI, OH 45255 | AFLAC | $136 | — | $136 | 1.26% |
| MARK EDWARD CASE3 | 6821 WELLINGTON PLACE CASTLE PINES, CO 80108 | AFLAC | $77 | — | $77 | 0.72% |
| CHRIS BIALKA3 | 5510 SENTINEL OAK DR MASON, OH 45040 | AFLAC | $60 | — | $60 | 0.56% |
| BRIAN DAY3 | 13189 HITCHING POST ROAD DEWITT, MI 48820 | AFLAC | $53 | — | $53 | 0.49% |
| GROVE FINANCIAL LLC3 Filed as: GROVE FINANCIAL, LLC | 4502 GLENBROOK DRIVE PALM HARBOR, FL 34683 | AFLAC | $51 | — | $51 | 0.47% |
| MICHAEL AISSEN3 | 920 HOLCOMB BRIDGE ROAD SUITE 200 ROSWELL, GA 30076 | AFLAC | $35 | — | $35 | 0.33% |
| SCOTT A SMITH3 | 5300 OAKBROOK PARKWAY SUITE 300 NORCROSS, GA 30093 | AFLAC | $29 | — | $29 | 0.27% |
| KATHRYN HOFFMAN3 | 755 DORGENE LANE CINCINNATI, OH 45244 | AFLAC | $26 | — | $26 | 0.24% |
| CHRISTOPHER D BOULDREY3 Filed as: CHRISTOPHER BOULDREY | PO BOX 602 CONCORD, MI 49237 | AFLAC | $11 | — | $11 | 0.10% |
| IAN B BRANYON3 Filed as: IAN BRANYON | 9300 HARRIS CORNERS PKWY SUITE 100 CHARLOTTE, NC 28269 | AFLAC | $8 | — | $8 | 0.07% |
| SHAWN MARTIN MCDERMOTT3 | 9543 CONKLIN AVENUE CINCINNATI, OH 45242 | AFLAC | $6 | — | $6 | 0.06% |
| JAMES J GRETHEL3 Filed as: JAMES GRETHEL | 865 CEDAR DRIVE LOVELAND, OH 45140 | AFLAC | $5 | — | $5 | 0.05% |
| INGER M PENNINGTON3 Filed as: INGER PENNINGTON | 1369 BERKSHIRE DR MILFORD, OH 45150 | AFLAC | $5 | — | $5 | 0.05% |
| LANG FINANCIAL GROUP, INC.3 | 4225 MALSBARY ROAD SUITE 100 CINCINNATI, OH 45242 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $546 | — | $546 | 10.01% |
| 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 | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 202 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN OF OHIO, INC. | 180 | $1.8M |
| Dental | HUMANA INSURANCE COMPANY | 185 | $96K |
| Vision | HUMANA INSURANCE COMPANY | 185 | $96K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 201 | $5K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 72 | $25K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 72 | $54K |
| Other(7 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 325 | $120K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 325 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.