| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LANG FINANCIAL GROUP, INC.3 | 4225 MALSBARY ROAD, SUITE 100 CINCINNATI, OH 452427238 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $25K | $8K | $33K | 11.09% |
| LANG FINANCIAL GROUP, INC.3 | 4225 MALSBARY ROAD, SUITE 100 CINCINNATI, OH 452427238 | DELTA DENTAL OF OHIO | $4K | — | $4K | 4.22% |
| RICHARD C. CONOVER3 | 445 HUTCHINSON AVENUE, SUITE 820 COLUMBUS, OH 43235 | AFLAC | $2K | $111 | $2K | 7.24% |
| GARDINER ALLEN INSURANCE ASSOC, INC3 | 777 GOODALE BOULEVARD, SUITE 200 COLUMBUS, OH 43212 | AFLAC | $1K | — | $1K | 5.01% |
| GRADY ENTERPRISES INC3 Filed as: GRADY ENTERPRISES, INC. | 515 EAST MOUND STREET COLUMBUS, OH 43215 | AFLAC | $341 | — | $341 | 1.40% |
| PAULA GAIL NEAL3 Filed as: PAULA C. CUTTER | 1795 ALYSHEBA WAY, SUITE 1204 LEXINGTON, KY 40509 | AFLAC | $260 | $22 | $282 | 1.16% |
| STEVE NIETO3 | 5419 CLUB DRIVE WESTERVILLE, OH 43082 | AFLAC | $213 | — | $213 | 0.87% |
| HARE AND ASSOCIATES LLC3 Filed as: HARE AND ASSOCIATES, LLC. | 470 OLDE WORTHINGTON ROAD SUITE 250 WESTERVILLE, OH 43082 | AFLAC | $158 | $22 | $180 | 0.74% |
| ROBERT P HARE3 Filed as: ROBERT P. HARE | 470 OLDE WORTHINGTON ROAD SUITE 250 WESTERVILLE, OH 43082 | AFLAC | $166 | — | $166 | 0.68% |
| KEITH FRIZZELL3 | 1795 ALYSHEBA WAY, SUITE 1204 LEXINGTON, KY 40509 | AFLAC | $105 | $22 | $127 | 0.52% |
| BRIAN L. MAYS3 | 7250 S. KYRENE ROAD, APT. 222 TEMPE, AZ 85283 | AFLAC | $100 | — | $100 | 0.41% |
| BRUCE MEYER3 | 10800 WINCHCOMBE DRIVE DUBLIN, OH 43016 | AFLAC | $81 | — | $81 | 0.33% |
| HENSLEY AND ASSOCIATES LLC3 Filed as: HENSLEY AND ASSOCIATES, LLC | 1103 SCHROCK ROAD, SUITE 201 COLUMBUS, OH 43229 | AFLAC | $57 | — | $57 | 0.23% |
| BRIAN J DAY3 Filed as: BRIAN J. DAY | 8744 UNION CENTRE BLVD, SUITE 500 WEST CHESTER, OH 45069 | AFLAC | $53 | — | $53 | 0.22% |
| SHAWN M THEIS3 Filed as: SHAWN M. THEIS | 3309 WESTERVILLE WOODS DRIVE COLUMBUS, OH 43231 | AFLAC | $35 | — | $35 | 0.14% |
| TINA MARIE MEYER3 | 10800 WINCHCOMBE DRIVE DUBLIN, OH 43016 | AFLAC | $34 | — | $34 | 0.14% |
| LANCE SHNIDER3 | 6873 NEW ALBANY LINKS DRIVE NEW ALBANY, OH 43054 | AFLAC | $27 | — | $27 | 0.11% |
| SHEIZKA KOMALA3 | 853 ELLINGTON CIRCLE GAHANNA, OH 43230 | AFLAC | $21 | — | $21 | 0.09% |
| SCOTT A SMITH3 Filed as: SCOTT A. SMITH | 5300 OAKBROOK PARKWAY, SUITE 350 NORCROSS, GA 30093 | AFLAC | $21 | — | $21 | 0.09% |
| MICHAEL J QUINN3 Filed as: MICHAEL J. QUINN | 8580 MAJORCA LANE NAPLES, FL 34114 | AFLAC | $19 | — | $19 | 0.08% |
| SUSAN L O'CONNOR3 Filed as: SUSAN L. O'CONNOR | P.O. BOX 1938 RIVERVIEW, FL 33568 | AFLAC | $12 | — | $12 | 0.05% |
| QUINN, MEYER & ASSOCIATES3 | 10800 WINCHCOMBE DRIVE DUBLIN, OH 43016 | AFLAC | $9 | — | $9 | 0.04% |
| PETER C. LABITA3 | 2665 TUDOR ROAD COLUMBUS, OH 43209 | AFLAC | $8 | — | $8 | 0.03% |
| THOMAS J TRUSLER3 Filed as: THOMAS J. TRUSLER | 201 EVENING WAY PICKERINGTON, OH 43147 | AFLAC | $8 | — | $8 | 0.03% |
| RICHARD J. PARKS3 | 924 HILLSDALE DRIVE COLUMBUS, OH 43224 | AFLAC | $7 | — | $7 | 0.03% |
| MATTHEW SCOTT TRADER3 | 663 SANVILLE DRIVE LEWIS CENTER, OH 43035 | AFLAC | $3 | — | $3 | 0.01% |
| JEFFREY N GRAVES3 Filed as: JEFFREY N. GRAVES | 5336 CAPTAINS COURT NEW PORT RICHEY, FL 34652 | AFLAC | $2 | — | $2 | 0.01% |
| J W GRIMES INC3 Filed as: J.W. GRIMES, INC. | 7659 HERITAGE CROSSING WAY REUNION, FL 34747 | AFLAC | $1 | — | $1 | 0.00% |
| JOSEPH P CALARCO3 Filed as: JOSEPH EVANS | 4721 BROOKVIEW DRIVE WEST DES MOINES, IA 50265 | AFLAC | $1 | — | $1 | 0.00% |
| RICHARD C. CONOVER3 | 1183 DAWN DRIVE REYNOLDSBURG, OH 43068 | AFLAC | $2K | $91 | $2K | 9.01% |
| GARDINER ALLEN INSURANCE ASSOC, INC3 | 777 GOODALE BOULEVARD, SUITE 200 COLUMBUS, OH 43212 | AFLAC | $1K | — | $1K | 4.47% |
| PAULA GAIL NEAL3 Filed as: PAULA C. CUTTER | 1795 ALYSHEBA WAY, SUITE 1204 LEXINGTON, KY 40509 | AFLAC | $305 | $18 | $323 | 1.40% |
| GRADY ENTERPRISES INC3 Filed as: GRADY ENTERPRISES, INC. | 515 EAST MOUND STREET COLUMBUS, OH 43215 | AFLAC | $285 | — | $285 | 1.24% |
| BRIAN L. MAYS3 | 7250 S. KYRENE ROAD, APT. 222 TEMPE, AZ 85283 | AFLAC | $188 | — | $188 | 0.82% |
| HARE AND ASSOCIATES LLC3 Filed as: HARE AND ASSOCIATES, LLC. | 470 OLDE WORTHINGTON ROAD SUITE 250 WESTERVILLE, OH 43082 | AFLAC | $162 | $18 | $180 | 0.78% |
| KEITH FRIZZELL3 | 1795 ALYSHEBA WAY, SUITE 1204 LEXINGTON, KY 40509 | AFLAC | $108 | $18 | $126 | 0.55% |
| STEVE NIETO3 | 5419 CLUB DRIVE WESTERVILLE, OH 43082 | AFLAC | $117 | — | $117 | 0.51% |
| ROBERT P HARE3 Filed as: ROBERT P. HARE | 470 OLDE WORTHINGTON ROAD SUITE 250 WESTERVILLE, OH 43082 | AFLAC | $96 | — | $96 | 0.42% |
| THOMAS J TRUSLER3 Filed as: THOMAS J. TRUSLER | 201 EVENING WAY PICKERINGTON, OH 43147 | AFLAC | $76 | — | $76 | 0.33% |
| HENSLEY AND ASSOCIATES LLC3 Filed as: HENSLEY AND ASSOCIATES, LLC | 1103 SCHROCK ROAD, SUITE 201 COLUMBUS, OH 43229 | AFLAC | $72 | — | $72 | 0.31% |
| BRUCE MEYER3 Filed as: BRUCE E. MEYER | 10800 WINCHCOMBE DRIVE DUBLIN, OH 43016 | AFLAC | $70 | — | $70 | 0.30% |
| TINA MARIE MEYER3 | 10800 WINCHCOMBE DRIVE DUBLIN, OH 43016 | AFLAC | $68 | — | $68 | 0.30% |
| BRIAN J DAY3 Filed as: BRIAN J. DAY | 8744 UNION CENTRE BLVD, SUITE 500 WEST CHESTER, OH 45069 | AFLAC | $65 | — | $65 | 0.28% |
| SHEIZKA KOMALA3 | 853 ELLINGTON CIRCLE GAHANNA, OH 43230 | AFLAC | $41 | — | $41 | 0.18% |
| LANCE SHNIDER3 | 6873 NEW ALBANY LINKS DRIVE NEW ALBANY, OH 43054 | AFLAC | $40 | — | $40 | 0.17% |
| MATTHEW SCOTT TRADER3 | 663 SANVILLE DRIVE LEWIS CENTER, OH 43035 | AFLAC | $26 | — | $26 | 0.11% |
| MICHAEL J QUINN3 Filed as: MICHAEL J. QUINN | 8580 MAJORCA LANE NAPLES, FL 34114 | AFLAC | $22 | — | $22 | 0.10% |
| MICKLEY CONSULTING LLC3 Filed as: MICKLEY CONSULTING, LLC | 1103 SCHROCK ROAD, SUITE 201 COLUMBUS, OH 43229 | AFLAC | $12 | — | $12 | 0.05% |
| SCOTT A SMITH3 Filed as: SCOTT A. SMITH | 5300 OAKBROOK PARKWAY, SUITE 350 NORCROSS, GA 30093 | AFLAC | $5 | — | $5 | 0.02% |
| LANG FINANCIAL GROUP, INC.3 | 4225 MALSBARY ROAD, SUITE 100 BLUE ASH, OH 452427238 | EYEMED VISION CARE | $2K | — | $2K | 9.10% |
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 | 433 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 434 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OHIO | 433 | $84K |
| Vision | EYEMED VISION CARE | 309 | $20K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 290 | $297K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 290 | $297K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 290 | $297K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 290 | $297K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 433 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.