| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LANG FINANCIAL GROUP, INC.3 | 4225 MALSBARY ROAD, SUITE 100 CINCINNATI, OH 45242 | MEDICAL MUTUAL OF OHIO | $20K | $133 | $20K | 4.76% |
| USI INSURANCE SERVICES LLC3 | 312 ELM STREET, 24TH FLOOR CINCINNATI, OH 45202 | MEDICAL MUTUAL OF OHIO | $20K | $32 | $20K | 4.75% |
| VOLUNTARY BENEFITS AT WORK3 | 1820 THE EXCHANGE, SUITE 750 ATLANTA, GA 30339 | TRANSAMERICA LIFE INSURANCE COMPANY | $18K | — | $18K | 12.18% |
| GREGORY BRIGHTMAN3 Filed as: GREGORY G. BRIGHTMAN | 5589 CYPRESS COURT WESTERVILLE, OH 43082 | TRANSAMERICA LIFE INSURANCE COMPANY | $7K | — | $7K | 4.59% |
| LANG FINANCIAL GROUP, INC.3 | 4225 MALSBARY ROAD, SUITE 100 BLUE ASH, OH 45242 | DELTA DENTAL OF OHIO | $3K | — | $3K | 2.24% |
| USI INSURANCE SERVICES LLC3 | 1 HILLCREST DRIVE E CHARLESTON, WV 25311 | DELTA DENTAL OF OHIO | $829 | — | $829 | 0.73% |
| LANG FINANCIAL GROUP, INC.2 | 4225 MALSBARY ROAD, SUITE 100 CINCINNATI, OH 45242 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 1.43% |
| USI INSURANCE SERVICES LLC3 | P.O. BOX 62889 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $665 | — | $665 | 0.77% |
| USI INSURANCE SERVICES LLC3 | P.O. BOX 62889 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 11.13% |
| LANG FINANCIAL GROUP, INC.3 | 4225 MALSBARY ROAD, SUITE 100 CINCINNATI, OH 45242 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 3.87% |
| LANG FINANCIAL GROUP, INC.3 | 4225 MALSBARY ROAD, SUITE 100 CINCINNATI, OH 45242 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $3K | — | $3K | 10.00% |
| LANG FINANCIAL GROUP, INC.3 | 4225 MALSBARY ROAD, SUITE 100 CINCINNATI, OH 45242 | EYEMED | $2K | — | $2K | 5.89% |
| USI INSURANCE SERVICES LLC3 | P.O. BOX 62889 VIRGINIA BEACH, VA 23466 | EYEMED | $1K | — | $1K | 4.13% |
| LANG FINANCIAL GROUP, INC. | 4225 MALSBARY ROAD, SUITE 100 CINCINNATI, OH 45242 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $4K | — | $4K | 15.00% |
| USI INSURANCE SERVICES LLC3 | P.O. BOX 62889 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 8.89% |
| LANG FINANCIAL GROUP, INC.6 | 4225 MALSBARY ROAD, SUITE 100 CINCINNATI, OH 45242 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $735 | — | $735 | 3.11% |
| LANG FINANCIAL GROUP, INC.3 | 4225 MALSBARY ROAD, SUITE 100 CINCINNATI, OH 45242 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $2K | — | $2K | 12.00% |
| USI INSURANCE SERVICES LLC3 | P.O. BOX 62889 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 8.91% |
| LANG FINANCIAL GROUP, INC.3 | 4225 MALSBARY ROAD, SUITE 100 CINCINNATI, OH 45242 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $429 | — | $429 | 3.08% |
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 | 510 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 521 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OHIO | 550 | $113K |
| Vision | EYEMED | 459 | $32K |
| Life insurance(3 contracts, 3 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 417 | $241K |
| Short-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 287 | $118K |
| Long-term disability(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 152 | $52K |
| Stop-loss / reinsurancereinsurance | MEDICAL MUTUAL OF OHIO | 299 | $423K |
| Other(3 contracts, 3 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 417 | $241K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 550 | — |
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."
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.