| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LANG FINANCIAL GROUP, INC.3 Filed as: LANG FINANCIAL GROUP INC | 4225 MALSBARY RD STE. 100 CINCINNATI, OH 45242 | RELIANCEMATRIX | $8K | — | $8K | 10.00% |
| LANG FINANCIAL GROUP, INC.3 | 4225 MALSBARY RD #100 CINCINNATI, OH 45242 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | — | $7K | 11.00% |
| LANG FINANCIAL GROUP, INC.3 Filed as: LANG FINANCIAL GROUP INC | 4225 MALSBARY RD #100 CINCINNATI, OH 45242 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 6.45% |
| LANG FINANCIAL GROUP, INC.3 | 4225 MALSBARY RD, STE 100 CINCINNATI, OH 45242 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 11.21% |
| MARYANN WILLIAMS3 | 6661 KULGER MILL ROAD CINCINNATI, OH 45236 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 5.81% |
| SHANA WOLF3 Filed as: SHANA R. WOLF | 6128 SONNY DR. CINCINNATI, OH 45230 | CONTINENTAL AMERICAN INSURANCE COMPANY | $855 | — | $855 | 2.01% |
| MATTHEW D SMITH3 Filed as: MATTHEW D. SMITH | 7905 TANCES DR. CINCINNATI, OH 45243 | CONTINENTAL AMERICAN INSURANCE COMPANY | $625 | — | $625 | 1.47% |
| STEPHEN BRIAN LOMBARDOZZI3 | 5329 GARGASZ DR. LORAIN, OH 44053 | CONTINENTAL AMERICAN INSURANCE COMPANY | $238 | — | $238 | 0.56% |
| SHANA WOLF3 Filed as: SHANA R. WOLF | 11260 CHESTER RD. SUITE 100 CINCINNATI, OH 45246 | CONTINENTAL AMERICAN INSURANCE COMPANY | $74 | — | $74 | 0.17% |
| GENESIS & ASSOCIATES LLC3 | 838 ACKLEY RD CINCINNATI, OH 45255 | CONTINENTAL AMERICAN INSURANCE COMPANY | $40 | — | $40 | 0.09% |
| HARE AND ASSOCIATES LLC3 Filed as: HARE AND ASSOC LLC | 7814 CRAINDOW CT DUBLIN, OH 43017 | CONTINENTAL AMERICAN INSURANCE COMPANY | $18 | — | $18 | 0.04% |
| LEE KRAUS3 | 1382 IRONWOOD DR LEBANON, OH 45036 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17 | — | $17 | 0.04% |
| LEE KRAUS3 | 1382 IRONWOOD DR LEBANON, OH 45036 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16 | — | $16 | 0.04% |
| MICHAEL E MCCARTHY3 | P.O. BOX 1047 DUNDEE, IL 60118 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | — | $11 | 0.03% |
| ALAN W FOSTER3 Filed as: ALAN WAYNE FOSTER | 716 FRENCH RIVER RD. NOLENSVILLE, TN 37135 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | — | $11 | 0.03% |
| WAYNE GREGORY MCMEEN3 | 7902 COVE RIDGE DR HIXSON, TN 37343 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | — | $10 | 0.02% |
| JAMES J GRETHEL3 Filed as: JAMES JACOB GRETHEL | 865 CEDAR DR LOVELAND, OH 45140 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | — | $10 | 0.02% |
| DEBORAH ANNE MINGO3 | 5593 SEAGROVE LANE HIXSON, TN 37343 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | — | $9 | 0.02% |
| CHRIS BIALKA - TEXAS SOUTH3 | 4460 BLACK OAK LANE MASON, OH 45040 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| BRIAN J DAY3 | 8744 UNION CENTRE BLVD WEST CHESTER, OH 45069 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 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 SPENCER OLEARY | 301 MALLORY STATION RD SUITE 100 FRANKLIN, TN 37067 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL, IN | 235 MARGRATH DARBY BLVD SUITE 325 MOUNT PLEASANT, SC 39464 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| IAN B BRANYON3 Filed as: IAN BYRD BRANYON | 8744 UNION CENTRE BLVD WEST CHESTER, OH 45069 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| GROVE FINANCIAL LLC3 Filed as: GROVE FINANCIAL | 4502 GLENBROOK DR PALM HARBOR, FL 34683 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| RILEY D GRAVES3 | 9590 HOMEWOOD CIR OOLTEWAH, TN 37363 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| BRIAN J DAY3 Filed as: BRIAN JOSEPH DAY | 8744 UNION CENTRE BLVD WEST CHESTER, OH 45069 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| SHAWN MARTIN MCDERMOTT3 | 9543 CONKLIN AVE CINCINNATI, OH 45242 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| WILLIAM M HURLEY3 Filed as: WILLIAM H C ROBERTS | 3749 SACHEM AVE CINCINNATI, OH 45226 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| INSURANCE APPLICATIONS GROUP3 | 220 N MAIN ST GREENVILLE, SC 29601 | BCS INSURANCE COMPANY | $954 | — | $954 | 2.40% |
| LANG FINANCIAL GROUP, INC.3 Filed as: LANG FINANCIAL | 4225 MALSBARY RD CINCINNATI, OH 45242 | BCS INSURANCE COMPANY | $152 | — | $152 | 0.38% |
| LANG FINANCIAL GROUP, INC.3 | 4225 MALSBARY RD #100 CINCINNATI, OH 45242 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 11.81% |
| INSURANCE APPLICATIONS GROUP3 | 220 N MAIN ST GREENVILLE, SC 29601 | 4 EVER LIFE INSURANCE COMPANY | $147 | — | $147 | 3.86% |
| LANG FINANCIAL GROUP, INC.3 Filed as: LANG FINANCIAL | 4225 MALSBARY RD CINCINNATI, OH 45242 | 4 EVER LIFE INSURANCE COMPANY | $15 | — | $15 | 0.39% |
| LANG FINANCIAL GROUP, INC.3 Filed as: LANG FINANCIAL GROUP INC | 4225 MALSBARY RD #100 CINCINNATI, OH 45242 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $447 | — | $447 | 15.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 NONE | Claims processing; Contract Administrator Service code 12 | — | $116K |
| 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 | 234 | 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) | 234 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BCS INSURANCE COMPANY | 37 | $40K |
| Dental(2 contracts, 2 carriers) | RELIANCEMATRIX | 181 | $116K |
| Vision(2 contracts, 2 carriers) | RELIANCEMATRIX | 181 | $116K |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 218 | $47K |
| Short-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 128 | $65K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 218 | $29K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE INSURANCE COMPANY | 143 | $299K |
| Other(4 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 218 | $96K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 218 | — |
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.