| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LANG FINANCIAL GROUP, INC.3 | 4225 MALSBARY RD #100 CINCINNATI, OH 45242 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $186 | $3K | 4.60% |
| LANG FINANCIAL GROUP, INC.3 Filed as: LANG FINANCIAL GROUP INC | 4225 MALSBARY RD #100 CINCINNATI, OH 45242 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $72 | $6K | 10.11% |
| LANG FINANCIAL GROUP, INC.3 | 4225 MALSBARY RD, STE 100 CINCINNATI, OH 45242 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 10.19% |
| MARY ANN WILLIAMS3 | 6661 KULGER MILL ROAD CINCINNATI, OH 45236 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 8.78% |
| SHANA WOLF3 Filed as: SHANA R. WOLF | 6128 SONNY DR. CINCINNATI, OH 45230 | CONTINENTAL AMERICAN INSURANCE COMPANY | $739 | — | $739 | 1.42% |
| STEPHEN BRIAN LOMBARDOZZI3 Filed as: STEPHEN B. LOMBARDOZZI | 5329 GARGASZ DR. LORAIN, OH 44053 | CONTINENTAL AMERICAN INSURANCE COMPANY | $524 | — | $524 | 1.01% |
| MATTHEW D SMITH3 | 7905 TANCES DR CINCINNATI, OH 45243 | CONTINENTAL AMERICAN INSURANCE COMPANY | $373 | — | $373 | 0.72% |
| MATTHEW D SMITH3 Filed as: MATTHEW D. SMITH | 7905 TANCES DR. CINCINNATI, OH 45243 | CONTINENTAL AMERICAN INSURANCE COMPANY | $146 | — | $146 | 0.28% |
| SHANA WOLF3 Filed as: SHANA R WOLF | 11260 CHESTER RD. SUITE 100 CINCINNATI, OH 45246 | CONTINENTAL AMERICAN INSURANCE COMPANY | $99 | — | $99 | 0.19% |
| GENESIS & ASSOCIATES LLC3 | 838 ACKLEY RD CINCINNATI, OH 45255 | CONTINENTAL AMERICAN INSURANCE COMPANY | $35 | — | $35 | 0.07% |
| LEE KRAUS3 | 1382 IRONWOOD DR LEBANON, OH 45036 | CONTINENTAL AMERICAN INSURANCE COMPANY | $20 | — | $20 | 0.04% |
| LEE KRAUS3 | 1382 IRONWOOD DR LEBANON, OH 45036 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17 | — | $17 | 0.03% |
| HARE AND ASSOCIATES LLC3 Filed as: HARE AND ASSOC LLC | 7814 CRAINDOW CT DUBLIN, OH 44053 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13 | — | $13 | 0.02% |
| DEBORAH A MINGO3 | 5593 SEAGROVE LANE HIXSON, TN 37343 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | — | $11 | 0.02% |
| ALAN W FOSTER3 | 716 FRENCH RIVER RD NOLENSVILLE, TN 37135 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | — | $11 | 0.02% |
| WAYNE G MCMEEN3 | 7902 COVE RIDGE DR HIXSON, TN 37343 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | — | $10 | 0.02% |
| JAMES J GRETHEL3 | 865 CEDAR DR LOVELAND, OH 45140 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | — | $9 | 0.02% |
| CHRISTOPHER E BIALKA3 | 4460 BLACK OAK LANE MASON, OH 45040 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.02% |
| BRIAN J DAY3 | 8744 UNION CENTRE BLVD WEST CHESTER, OH 45069 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| KAYTE F LOCKE3 | 390 ASHLEY DRIVE SODDY DAISY, TN 37215 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| MICHAEL E MCCARTHY3 | PO BOX 1047 DUNDEE, IL 60118 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| JOSEPH T WILLIAMS3 | 6661 KUGGLER MILL RD. CINCINNATI, OH 45236 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| RILEY D GRAVES3 | 9590 HOMEWOOD CIR OOLTEWAH, TN 37363 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| INGER M PENNINGTON3 | 7179 HONEYWOOD CT CINCINNATI, OH 45230 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| JAY S OLEARY3 Filed as: JAY S O'LEARY | 301 MALLORY STATION RD FRANKLIN, TN 37067 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| IAN B BRANYON3 | 8744 UNION CENTRE BLVD WEST CHESTER, OH 45069 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| MICHELLE KRAUS3 | 5112 MARY LOUISE CT MORROW, OH 45152 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| GROVE FINANCIAL LLC3 | 4502 GLENBROOK DR PALM HARBOR, FL 34683 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| SHAWN M MCDERMOTT3 | 9543 CONKLIN AVE CINCINNATI, OH 45242 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| CORRENA L PERRY3 | 1799 ROCK ROSE CT LEBANON, OH 45036 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| WAYNE J COOLEY3 | PO BOX 181 SIGNAL MOUNTAIN, TN 37377 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| LANG FINANCIAL GROUP, INC.3 | 4225 MALSBARY RD #100 CINCINNATI, OH 45242 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $97 | $4K | 10.14% |
| INSURANCE APPLICATIONS GROUP3 | 220 N MAIN ST GREENVILLE, SC 29601 | BCS INSURANCE COMPANY | $4K | — | $4K | 11.03% |
| LANG FINANCIAL GROUP, INC.3 Filed as: LANG FINANCIAL | 4225 MALSBARY RD CINCINNATI, OH 45242 | BCS INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| LANG FINANCIAL GROUP, INC.3 Filed as: LANG FINANCIAL GROUP INC | 4225 MALSBARY RD #100 CINCINNATI, OH 45242 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $73 | $4K | 15.25% |
| LANG FINANCIAL GROUP, INC.3 Filed as: LANG FINANCIAL GROUP INC | 225 MALSBARY RD #100 CINCINNATI, OH 45242 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $45 | $2K | 10.22% |
| LANG FINANCIAL GROUP, INC.3 Filed as: LANG FINANCIAL GROUP | 4225 MALSBARY ROAD #100 CINCINNATI, OH 45242 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $16 | $1K | 10.12% |
| INSURANCE APPLICATIONS GROUP3 | 220 N MAIN ST GREENVILLE, SC 29601 | 4 EVER LIFE INSURANCE COMPANY | $680 | — | $680 | 18.01% |
| LANG FINANCIAL GROUP, INC.3 Filed as: LANG FINANCIAL | 4225 MALSBARY RD CINCINNATI, OH 45242 | 4 EVER LIFE INSURANCE COMPANY | $189 | — | $189 | 5.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 NONE | Contract Administrator; Claims processing Service code 12 | — | $98K |
| PLANNED ADMINISTRATORS, INC. EIN 57-0718839 NONE | Contract Administrator Service code 13 | — | $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 | 265 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 265 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BCS INSURANCE COMPANY | 41 | $39K |
| Dental(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 164 | $103K |
| Vision(2 contracts, 2 carriers) | BCS INSURANCE COMPANY | 149 | $53K |
| Life insurance(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 221 | $52K |
| Short-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 114 | $79K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 221 | $41K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE INSURANCE COMPANY | 138 | $230K |
| Other(4 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 221 | $115K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 221 | — |
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.