| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LANG FINANCIAL GROUP, INC.3 Filed as: LANG FINANCIAL GROUP INC | 4225 MALSBARY ROAD SUITE 100 CINCINNATI, OH 45242 | UNITEDHEALTHCARE | $87K | — | $87K | 17.66% |
| LANG FINANCIAL GROUP, INC.3 Filed as: LANG FINANCIAL GROUP INC | 4225 MALSBARY ROAD SUITE 100 CINCINNATI, OH 45242 | STARMOUNT LIFE INSURANCE CO | $5K | — | $5K | 5.87% |
| LANG FINANCIAL GROUP, INC.3 Filed as: LANG FINANCIAL GROUP INC | 4225 MALSBARY RD SUITE 100 CINCINNATI, OH 45242 | UNUM INSURANCE CO | $3K | — | $3K | 18.69% |
| LANG FINANCIAL GROUP, INC.3 Filed as: LANG FINANCIAL GROUP INC | 4225 MALSBARY ROAD SUITE 100 CINCINNATI, OH 45242 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 16.01% |
| LANG FINANCIAL GROUP, INC.3 Filed as: LANG FINANCIAL GROUP INC | 4225 MALSBARY RD SUITE 100 CINCINNATI, OH 45242 | UNUM INSURANCE CO | $2K | — | $2K | 16.27% |
| LANG FINANCIAL GROUP, INC.3 Filed as: LANG FINANCIAL GROUP INC | 4225 MALSBARY ROAD SUITE 100 CINCINNATI, OH 45242 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 22.41% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BIND BENEFITS, INC. DBA SUREST EIN 81-4560965 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $205K |
| LANG FINANCIAL GROUP INC EIN 31-0847010 BROKER | Other commissions Service code 55 | 4225 MALSBARY RD SUITE 100 CINCINNATI, OH 45242 | $41K |
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $4K |
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 | 408 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 408 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STARMOUNT LIFE INSURANCE CO | 343 | $91K |
| Vision | STARMOUNT LIFE INSURANCE CO | 343 | $91K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 408 | $14K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 408 | $14K |
| Stop-loss / reinsurancereinsurance | UNITEDHEALTHCARE | 362 | $495K |
| Other(4 contracts, 2 carriers) | UNUM INSURANCE CO | 408 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 408 | — |
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.