| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LANG FINANCIAL GROUP, INC.3 Filed as: LANG FINANCIAL | 4225 MALSBARY RD CINCINNATI, OH 45242 | DENTAL CARE PLUS, INC. | $3K | — | $3K | 4.09% |
| INSURANCE APPLICATIONS GROUP3 | 220 N MAIN ST GREENVILLE, SC 29601 | BCS INSURANCE COMPANY | $4K | — | $4K | 9.34% |
| LANG FINANCIAL GROUP, INC.3 Filed as: LANG FINANCIAL | 4225 MALSBARY RD CINCINNATI, OH 45242 | BCS INSURANCE COMPANY | $2K | — | $2K | 4.82% |
| WELLS FARGO INSURANCE SERVICES3 | OF OHIO, LLC 1301 EAST 9TH STREET, SUITE 3800 CLEVELAND, OH 44114 | BCS INSURANCE COMPANY | $67 | — | $67 | 0.18% |
| LANG FINANCIAL GROUP, INC.3 | 4225 MALSBARY RD, STE 100 CINCINNATI, OH 45242 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 8.27% |
| MARY ANN WILLIAMS3 | 6661 KULGER MILL ROAD CINCINNATI, OH 45236 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 5.37% |
| SHANA WOLF3 Filed as: SHANA R WOLF | 11260 CHESTER RD. SUITE 100 CINCINNATI, OH 45246 | CONTINENTAL AMERICAN INSURANCE COMPANY | $320 | — | $320 | 1.04% |
| LEE KRAUS3 | 1382 IRONWOOD DR LEBANON, OH 45036 | CONTINENTAL AMERICAN INSURANCE COMPANY | $248 | — | $248 | 0.80% |
| GENESIS & ASSOCIATES LLC3 | 838 ACKLEY RD CINCINNATI, OH 45255 | CONTINENTAL AMERICAN INSURANCE COMPANY | $228 | — | $228 | 0.74% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | CONTINENTAL AMERICAN INSURANCE COMPANY | $220 | — | $220 | 0.71% |
| J GAUDETT LLC3 | 11260 CHESTER RD, STE 500 CINCINNATI, OH 45246 | CONTINENTAL AMERICAN INSURANCE COMPANY | $137 | — | $137 | 0.44% |
| JAMES J GRETHEL3 | 865 CEDAR DR LOVELAND, OH 45140 | CONTINENTAL AMERICAN INSURANCE COMPANY | $135 | — | $135 | 0.44% |
| LEE KRAUS3 | 1382 IRONWOOD DRIVE LEBANON, OH 45036 | CONTINENTAL AMERICAN INSURANCE COMPANY | $119 | — | $119 | 0.39% |
| MICHAEL E MCCARTHY3 | PO BOX 1047 DUNDEE, IL 60118 | CONTINENTAL AMERICAN INSURANCE COMPANY | $84 | — | $84 | 0.27% |
| CHRISTOPHER E BIALKA3 | 4460 BLACK OAK LANE MASON, OH 45040 | CONTINENTAL AMERICAN INSURANCE COMPANY | $66 | — | $66 | 0.21% |
| GROVE FINANCIAL LLC3 | 6482 SHAWNEE RUN RD CINCINNATI, OH 45243 | CONTINENTAL AMERICAN INSURANCE COMPANY | $58 | — | $58 | 0.19% |
| MARVIN BACKUS3 | 941 SQUIRE VALLEY DR VILLA HILLS, KY 41017 | CONTINENTAL AMERICAN INSURANCE COMPANY | $58 | — | $58 | 0.19% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | 720 PETE ROSE WAY SUITE 400 CINCINNATI, OH 45202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $56 | — | $56 | 0.18% |
| RILEY D GRAVES3 | 9590 HOMEWOOD CIR OOLTEWAH, TN 37363 | CONTINENTAL AMERICAN INSURANCE COMPANY | $46 | — | $46 | 0.15% |
| BRIAN J DAY3 | 8744 UNION CENTRE BLVD WEST CHESTER, OH 45069 | CONTINENTAL AMERICAN INSURANCE COMPANY | $46 | — | $46 | 0.15% |
| INGER M PENNINGTON3 | 7179 HONEYWOOD CT CINCINNATI, OH 45230 | CONTINENTAL AMERICAN INSURANCE COMPANY | $45 | — | $45 | 0.15% |
| MICHELE KRAUS3 | 1382 IRONWOOD DRIVE LEBANON, OH 45036 | CONTINENTAL AMERICAN INSURANCE COMPANY | $36 | — | $36 | 0.12% |
| ALAN W FOSTER3 | 716 FRENCH RIVER RD NOLENSVILLE, TN 37135 | CONTINENTAL AMERICAN INSURANCE COMPANY | $30 | — | $30 | 0.10% |
| WAYNE G MCMEEN3 | 7902 COVE RIDGE DR HIXSON, TN 37343 | CONTINENTAL AMERICAN INSURANCE COMPANY | $25 | — | $25 | 0.08% |
| IAN B BRANYON3 | 8744 UNION CENTRE BLVD WEST CHESTER, OH 45069 | CONTINENTAL AMERICAN INSURANCE COMPANY | $24 | — | $24 | 0.08% |
| CORRENA L PERRY3 | 1799 ROCK ROSE CT LEBANON, OH 45036 | CONTINENTAL AMERICAN INSURANCE COMPANY | $23 | — | $23 | 0.07% |
| JOSEPH T WILLIAMS3 | 6661 KUGGLER MILL RD. CINCINNATI, OH 45236 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21 | — | $21 | 0.07% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | 720 PETE ROSE WAY SUITE 400 CINCINNATI, OH 45202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16 | — | $16 | 0.05% |
| WANACO INC3 | PO BOX 181 SIGNAL MOUNTAIN, TN 37377 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14 | — | $14 | 0.05% |
| KAYTE F LOCKE3 | 390 ASHLEY DRIVE SODDY DAISY, TN 37379 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14 | — | $14 | 0.05% |
| WILLIAM ROBERTS3 | 3749 SACHEM AVE CINCINNATI, OH 45226 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13 | — | $13 | 0.04% |
| DEBORAH A MINGO3 | 5593 SEAGROVE LANE HIXSON, TN 37343 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | — | $10 | 0.03% |
| LESLIE J BACKUS3 | 941 SQUIRE VALLEY DR VILLA HILLS, KY 41017 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 0.02% |
| JAY S OLEARY3 Filed as: JAY S O'LEARY | 301 MALLORY STATION RD., STE. 100 FRANKLIN, TN 37067 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 0.02% |
| ELIZABETH E REEVES3 | 1200 MOUNTAIN CREEK RD, #102 CHATTANOOGA, TN 37405 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 0.02% |
| SHAWN M MCDERMOTT3 | 9543 CONKLIN AVE CINCINNATI, OH 45242 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.02% |
| JEFFREY B RIDGLEY3 | 2755 DRY RUN ROAD SOUTH LEBANON, OH 45065 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.02% |
| BRIAN J DAY3 | 8744 UNION CENTRE BLVD WEST CHESTER, OH 45069 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.02% |
| BRENT L GOODE3 | 200 GLEN ECHO RD, STE. 204 NASHVILLE, TN 37215 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| ALAN W MARTIN3 | 12524 MALLARD BAY DRIVE KNOXVILLE, TN 37922 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| BRADLEY J BRISTER3 | 195 NORTHVIEW RD BLANCHESTER, OH 45107 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| JOSEPH L LEDOUX3 | 674 WATSON BRANCH DRIVE FRANKLIN, TN 37067 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| LANG FINANCIAL GROUP, INC.3 Filed as: LANG FINANCIAL GROUP | 4225 MALSBARY ROAD CINCINNATI, OH 45242 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| INSURANCE ASSOCIATES PLUS, INC.3 | 100 CROWNE POINT PLACE CINCINNATI, OH 45241 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $769 | — | $769 | 5.00% |
| INSURNACE APPLICATIONS GROUP3 | 220 N MAIN ST GREENVILLE, SC 29601 | 4 EVER LIFE INSURANCE COMPANY | $730 | — | $730 | 13.91% |
| LANG FINANCIAL GROUP, INC.3 Filed as: LANG FINANCIAL | 4225 MALSBARY RD CINCINNATI, OH 45242 | 4 EVER LIFE INSURANCE COMPANY | $252 | — | $252 | 4.80% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | OF OHIO, LLC 1301 EAST 9TH STREET, SUITE 3800 CLEVELAND, OH 44114 | 4 EVER LIFE INSURANCE COMPANY | $10 | — | $10 | 0.19% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 NONE | Claims processing; Contract Administrator Service code 12 | — | $99K |
| 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 | 241 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 242 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BCS INSURANCE COMPANY | 34 | $38K |
| Dental(2 contracts, 2 carriers) | DENTAL CARE PLUS, INC. | 147 | $100K |
| Vision(2 contracts, 2 carriers) | BCS INSURANCE COMPANY | 110 | $53K |
| Life insurance | 4 EVER LIFE INSURANCE COMPANY | 25 | $5K |
| Short-term disability | 4 EVER LIFE INSURANCE COMPANY | 25 | $5K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE INSURANCE COMPANY | 131 | $246K |
| Other(2 contracts, 2 carriers) | FIDELITY SECURITY LIFE | 259 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 259 | — |
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.