| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARLENE GUTTMAN3 Filed as: MARLENE GUTTMAN LLC | 4010 EXECUTIVE PARK DR SUITE 110 CINCINNATI, OH 45241 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 1.32% |
| BUCKMAN AGENCY LLC3 | 9361 MONTGOMERY RD SUITE E CINCINNATI, OH 45242 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $345 | — | $345 | 0.37% |
| CINDY PHILIPPO3 | 7138 PRICE PIKE FLORENCE, KY 41042 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $223 | — | $223 | 0.24% |
| STACIE BUCKMAN3 | 7138 PRICE PIKE FLORENCE, KY 41042 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $131 | — | $131 | 0.14% |
| NAPIER MARKETING CORP3 | 3324 DOWNING PLACE LEXINGTON, KY 40517 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $99 | — | $99 | 0.11% |
| THOMAS W BOSTON3 Filed as: THOMAS BOSTON | 1275 W MAPLE STREET HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $44 | — | $44 | 0.05% |
| JAMES L TUEMLER3 | 3110 ELMWOOD DRIVE EDGEWOOD, KY 41017 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9 | — | $9 | 0.01% |
| LANG FINANCIAL GROUP, INC.3 | 4225 MALSBARY ROAD SUITE 100 CINCINNATI, OH 45242 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 1.98% |
| LANG FINANCIAL GROUP, INC.3 Filed as: LANG FINANCIAL | 4225 MALSBARY ROAD SUITE 100 CINCINNATI, OH 45242 | DELTA DENTAL OF KENTUCKY | $4K | — | $4K | 4.50% |
| LANG FINANCIAL GROUP, INC.3 | 4225 MALSBARY ROAD SUITE 100 CINCINNATI, OH 45242 | DELTA DENTAL OF KENTUCKY | $2K | — | $2K | 9.63% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| NATIONAL UNDERWRITING SERVICES EIN 35-2481296 STOP/LOSS | Insurance services Service code 23 | — | $300K |
| CUSTOM DESIGN BENEFITS, LLC EIN 81-0798821 CLAIMS PROCESSING | Claims processing Service code 12 | — | $101K |
| LANG FINANCIAL GROUP EIN 31-0847010 OTHER | Insurance agents and brokers Service code 22 | — | $36K |
| RX RESULTS EIN 26-3233073 PRESCRIPTION AUTHOR | Other services Service code 49 | — | $11K |
| INNOVATIVE MEDICAL RISK EIN 45-4167263 PATIENT ADVOCATE | Other services Service code 49 | — | $8K |
| THE PHIA GROUP EIN 46-1439866 OTHER | Other services Service code 49 | — | $8K |
| PAYER COMPASS EIN 46-2047081 CLAIMS REPRICER | Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $6K |
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 | 215 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 215 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 12 | $80K |
| Dental | DELTA DENTAL OF KENTUCKY | 312 | $79K |
| Vision | DELTA DENTAL OF KENTUCKY | 272 | $20K |
| Life insurance | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 291 | $94K |
| Stop-loss / reinsurancereinsurance | FIDELITY SECURITY LIFE INSURANCE COMPANY | 0 | $300K |
| Other(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 291 | $174K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 312 | — |
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.