| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LANG FINANCIAL GROUP, INC.3 Filed as: LANG FINANCIAL GROUP | 4225 MALSBURY ROAD, SUITE 100 CINCINNATI, OH 45242 | DENTAL CARE PLUS, INC. | $6K | — | $6K | 3.18% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE | 312 ELM STREET, SUITE 2400 CINCINNATI, OH 45202 | DENTAL CARE PLUS, INC. | $3K | — | $3K | 1.53% |
| LANG FINANCIAL GROUP, INC.3 Filed as: LANG FINANCIAL GROUP | 4225 MALSBARY ROAD CINCINNATI, OH 45242 | EYEMED VISION CARE | $1K | — | $1K | 5.38% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | ATTN MIDWEST DIRECT BILL VIRGINIA BEACH, VA 23466 | EYEMED VISION CARE | $506 | — | $506 | 2.64% |
| LANG FINANCIAL GROUP, INC.3 Filed as: LANG FINANCIAL GROUP | 4225 MALSBURY ROAD CINCINNATI, OH 45242 | EYEMED VISION CARE | $479 | — | $479 | 6.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMMUNITY INSURANCE COMPANY EIN 31-1440175 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Other fees; Other services; Float revenue; Claims processing Service code 12 | — | $303K |
| LANG FINANCIAL GROUP, INC. | Other commissions; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $40K |
| USI MIDWEST LLC NONE | Other commissions; Insurance agents and brokers; Insurance brokerage commissions and fees; Non-monetary compensation Service code 22 | 312 ELM ST, 24TH FLOOR CINCINNATI, OH 45202 | $11K |
| LANG FINANCIAL GROUP INC. NONE | Insurance agents and brokers; Other commissions; Insurance brokerage commissions and fees Service code 22 | 4225 MALSBARY ROAD CINCINNATI, OH 45242 | $0 |
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 | 321 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 321 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DENTAL CARE PLUS, INC. | 274 | $180K |
| Vision(2 contracts) | EYEMED VISION CARE | 446 | $26K |
| Stop-loss / reinsurancereinsurance | COMMUNITY INSURANCE COMPANY | 273 | $347K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 446 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.