| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CINDY PHILIPPO3 | 7138 PRICE PIKE FLORENCE, KY 41042 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 5.71% |
| HANS PHILIPPO3 | 7138 PRICE PIKE FLORENCE, KY 41042 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 2.79% |
| NAPIER MARKETING CORP3 | 3324 DOWNING PLACE LEXINGTON, KY 40517 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 1.64% |
| JAMES L TUEMLER3 | 3260 WOODLYN HILLS DR ERLANGER, KY 41018 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $229 | — | $229 | 0.30% |
| LANG FINANCIAL GROUP, INC.3 | 4225 MALSBARY ROAD SUITE 100 CINCINNATI, OH 45242 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 2.49% |
| LANG FINANCIAL GROUP, INC.3 Filed as: LANG FINANCIAL | 4225 MALSBARY ROAD SUITE 100 CINCINNATI, OH 45242 | DENTAL CARE PLUS, INC. | $2K | — | $2K | 5.18% |
| LANG FINANCIAL GROUP, INC.3 Filed as: LANG FINANCIAL | 4225 MALSBARY ROAD SUITE 100 CINCINNATI, OH 45242 | DENTAL CARE PLUS, INC. | $1K | — | $1K | 3.96% |
| LANG FINANCIAL GROUP, INC.3 | 4225 MALSBARY ROAD SUITE 100 CINCINNATI, OH 45242 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $2K | — | $2K | 9.14% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LANG FINANCIAL GROUP, INC. | Insurance brokerage commissions and fees Service code 53 | — | $34K |
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 | 196 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 197 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 4 | $58K |
| Dental(2 contracts) | DENTAL CARE PLUS, INC. | 163 | $81K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 239 | $17K |
| Stop-loss / reinsurancereinsurance | FIDELITY SECURITY LIFE INSURANCE COMPANY | 196 | $285K |
| Other(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 162 | $135K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 239 | — |
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.