| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LANG FINANCIAL GROUP, INC.3 | 4225 MALSBARY ROAD SUITE 100 CINCINNATI, OH 45242 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 1.11% |
| LANG FINANCIAL GROUP, INC.3 Filed as: LANG FINANCIAL GROUP INC | 4225 MALSBARY RD SUITE 100 CINCINNATI, OH 45242 | DELTA DENTAL OF KENTUCKY | $3K | — | $3K | 3.86% |
| MARLENE GUTTMAN3 Filed as: MARLENE GUTTMAN LLC | 4010 EXECUTIVE PARK DR SUITE 110 CINCINNATI, OH 45241 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15K | — | $15K | 18.91% |
| BUCKMAN AGENCY LLC3 | 9361 MONTGOMERY RD SUITE E CINCINNATI, OH 45242 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | — | $6K | 7.25% |
| CINDY PHILIPPO3 | 7138 PRICE PIKE FLORENCE, KY 41042 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 1.84% |
| STACIE BUCKMAN3 | 7138 PRICE PIKE FLORENCE, KY 41042 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $886 | — | $886 | 1.11% |
| NAPIER MARKETING CORP3 | 3324 DOWNING PLACE LEXINGTON, KY 40517 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $624 | — | $624 | 0.78% |
| THOMAS W BOSTON3 Filed as: THOMAS BOSTON | 1275 W MAPLE STREET HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $433 | — | $433 | 0.54% |
| JAMES L TUEMLER3 | 3110 ELMWOOD DRIVE EDGEWOOD, KY 41017 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $105 | — | $105 | 0.13% |
| LANG FINANCIAL GROUP, INC.3 | 4225 MALSBARY ROAD SUITE 100 CINCINNATI, OH 45242 | DELTA DENTAL OF KENTUCKY | $2K | — | $2K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| NATIONAL UNDERWRITING SERVICES EIN 35-2481296 STOP/LOSS | Insurance services Service code 23 | — | $375K |
| CUSTOM DESIGN BENEFITS, LLC EIN 81-0798821 CLAIMS PROCESSING | Claims processing Service code 12 | — | $120K |
| LANG FINANCIAL GROUP EIN 31-0847010 OTHER | Insurance agents and brokers Service code 22 | — | $40K |
| RX RESULTS EIN 26-3233073 PRESCRIPTION AUTHOR | Other services Service code 49 | — | $10K |
| PAYER COMPASS EIN 46-2047081 CLAIMS REPRICER | Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services Service code 15 | — | $10K |
| THE PHIA GROUP EIN 46-1439866 OTHER | Other services Service code 49 | — | $6K |
| INNOVATIVE MEDICAL RISK EIN 45-4167263 PATIENT ADVOCATE | Other services Service code 49 | — | $5K |
| EMPLOYER ADVISORY SERVICES OTHER | Other fees Service code 99 | — | $1K |
| NEW YORK PUBLIC GOODS OTHER | Other fees Service code 99 | — | $116 |
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 | 235 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 238 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 7 | $106K |
| Dental | DELTA DENTAL OF KENTUCKY | 382 | $90K |
| Vision | DELTA DENTAL OF KENTUCKY | 330 | $22K |
| Life insurance | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 263 | $80K |
| Stop-loss / reinsurancereinsurance | FIDELITY SECURITY LIFE INSURANCE COMPANY | 329 | $376K |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 263 | $186K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 382 | — |
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."
No prospect flags tripped on this filing.