| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LANG FINANCIAL GROUP, INC.3 | 4225 MALSBARY ROAD SUITE 100 CINCINNATI, OH 45242 | TRANSAMERICA LIFE INSURANCE COMPANY | $34K | — | $34K | 13.92% |
| CINDY PHILIPPO3 | 7138 PRICE PIKE FLORENCE, KY 41042 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9K | — | $9K | 10.51% |
| HANS PHILIPPO3 | 7138 PRICE PIKE FLORENCE, KY 41042 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 4.89% |
| NAPIER MARKETING CORP3 | 3324 DOWNING PLACE LEXINGTON, KY 40517 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 1.60% |
| JAMES L TUEMLER3 | 3260 WOODLYN HILLS DR ERLANGER, KY 41018 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $256 | — | $256 | 0.29% |
| LANG FINANCIAL GROUP, INC.3 | 4225 MALSBARY ROAD SUITE 100 CINCINNATI, OH 45242 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 1.86% |
| LANG FINANCIAL GROUP, INC.3 Filed as: LANG FINANCIAL | 4225 MALSBARY ROAD SUITE 100 CINCINNATI, OH 45242 | DENTAL CARE PLUS, INC. | $2K | — | $2K | 5.32% |
| LANG FINANCIAL GROUP, INC.3 Filed as: LANG FINANCIAL | 4225 MALSBARY ROAD SUITE 100 CINCINNATI, OH 45242 | DENTAL CARE PLUS, INC. | $2K | — | $2K | 5.34% |
| LANG FINANCIAL GROUP, INC.3 | 4225 MALSBARY ROAD SUITE 100 CINCINNATI, OH 45242 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $2K | — | $2K | 9.99% |
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 | 189 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 189 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 194 | $162K |
| Dental(2 contracts) | DENTAL CARE PLUS, INC. | 132 | $72K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 206 | $16K |
| Life insurance | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 194 | $88K |
| Stop-loss / reinsurancereinsurance | TRANSAMERICA LIFE INSURANCE COMPANY | 189 | $246K |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 6 | $75K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 206 | — |
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.