| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELTY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $4K | — | $4K | 1.50% |
| OHIO AUTO DEALERS ASSN INS3 | TIM DORAN, EXEC VP 655 METRO PLACE SOUTH, STE 270 DUBLIN, OH 43017 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $794 | $794 | 0.33% |
| LANG FINANCIAL GROUP, INC.3 | 4225 MALSBARY ROAD SUITE 100 LOUISVILLE, KY 45242 | TRANSAMERICA LIFE INSURANCE COMPANY | $68K | — | $68K | 35.90% |
| LANG FINANCIAL GROUP, INC.3 | 4225 MALSBARY ROAD CINCINNATI, OH 45242 | DENTAL CARE PLUS, INC. | $6K | — | $6K | 3.99% |
| LANG FINANCIAL GROUP, INC.3 | 4225 MALSBARY ROAD SUITE 100 CINCINNATI, OH 45242 | SUN LIFE ASSURANCE COMPANY OF CANADA | $155 | — | $155 | 5.23% |
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 | 425 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 428 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DENTAL CARE PLUS, INC. | 417 | $144K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 440 | $3K |
| Short-term disability | AMERICAN FIDELITY ASSURANCE COMPANY | 443 | $244K |
| Long-term disability | AMERICAN FIDELITY ASSURANCE COMPANY | 443 | $244K |
| Stop-loss / reinsurancereinsurance | TRANSAMERICA LIFE INSURANCE COMPANY | 261 | $190K |
| Other(2 contracts, 2 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 443 | $246K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 443 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.