| 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. | $2K | — | $2K | 3.43% |
| LANG FINANCIAL GROUP, INC.3 Filed as: LANG FINANCIAL GROUP INC | 4225 MALSBARY RD #100 CINCINNATI, OH 45242 | THE LINCOLN LIFE INSURANCE COMPANY | $3K | — | $3K | 5.40% |
| INSURANCE APPLICATIONS GROUP3 | 220 N MAIN ST GREENVILLE, SC 29601 | BCS INSURANCE COMPANY | $5K | — | $5K | 10.61% |
| LANG FINANCIAL GROUP, INC.3 Filed as: LANG FINANCIAL | 4225 MALSBARY RD CINCINNATI, OH 45242 | BCS INSURANCE COMPANY | $3K | — | $3K | 5.00% |
| LANG FINANCIAL GROUP, INC.3 | 4225 MALSBARY RD #100 CINCINNATI, OH 45242 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 10.76% |
| LANG FINANCIAL GROUP, INC.3 | 4225 MALSBARY RD, STE 100 CINCINNATI, OH 45242 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 9.79% |
| MARY ANN WILLIAMS3 | 6661 KULGER MILL ROAD CINCINNATI, OH 45236 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 5.49% |
| SHANA WOLF3 Filed as: SHANA R WOLF | 11260 CHESTER RD. SUITE 100 CINCINNATI, OH 45246 | CONTINENTAL AMERICAN INSURANCE COMPANY | $357 | — | $357 | 1.31% |
| GENESIS & ASSOCIATES LLC3 | 838 ACKLEY RD CINCINNATI, OH 45255 | CONTINENTAL AMERICAN INSURANCE COMPANY | $313 | — | $313 | 1.15% |
| HARE AND ASSOCIATES LLC3 Filed as: HARE AND ASSOC LLC | 7814 CRAINDOW CT DUBLIN, OH 43017 | CONTINENTAL AMERICAN INSURANCE COMPANY | $170 | — | $170 | 0.63% |
| LEE KRAUS3 | 1382 IRONWOOD DR LEBANON, OH 45036 | CONTINENTAL AMERICAN INSURANCE COMPANY | $118 | — | $118 | 0.43% |
| LEE KRAUS3 | 1382 IRONWOOD DRIVE LEBANON, OH 45036 | CONTINENTAL AMERICAN INSURANCE COMPANY | $75 | — | $75 | 0.28% |
| JAMES J GRETHEL3 | 865 CEDAR DR LOVELAND, OH 45140 | CONTINENTAL AMERICAN INSURANCE COMPANY | $64 | — | $64 | 0.24% |
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC AT WORK HOUSE ACCOUNT | 400 LAUREL STREET COLUMBIA, SC 29201 | CONTINENTAL AMERICAN INSURANCE COMPANY | $54 | — | $54 | 0.20% |
| MICHAEL E MCCARTHY3 | PO BOX 1047 DUNDEE, IL 60118 | CONTINENTAL AMERICAN INSURANCE COMPANY | $52 | — | $52 | 0.19% |
| CHRISTOPHER E BIALKA3 | 4460 BLACK OAK LANE MASON, OH 45040 | CONTINENTAL AMERICAN INSURANCE COMPANY | $33 | — | $33 | 0.12% |
| INGER M PENNINGTON3 | 7179 HONEYWOOD CT CINCINNATI, OH 45230 | CONTINENTAL AMERICAN INSURANCE COMPANY | $26 | — | $26 | 0.10% |
| BRIAN J DAY3 | 8744 UNION CENTRE BLVD WEST CHESTER, OH 45069 | CONTINENTAL AMERICAN INSURANCE COMPANY | $25 | — | $25 | 0.09% |
| GROVE FINANCIAL LLC3 | 4502 GLENBROOK DR PALM HARBOR, FL 34683 | CONTINENTAL AMERICAN INSURANCE COMPANY | $24 | — | $24 | 0.09% |
| JOSEPH T WILLIAMS3 | 6661 KUGGLER MILL RD. CINCINNATI, OH 45236 | CONTINENTAL AMERICAN INSURANCE COMPANY | $20 | — | $20 | 0.07% |
| ALAN W FOSTER3 | 716 FRENCH RIVER RD NOLENSVILLE, TN 37135 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14 | — | $14 | 0.05% |
| WAYNE G MCMEEN3 | 7902 COVE RIDGE DR HIXSON, TN 37343 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | — | $12 | 0.04% |
| IAN B BRANYON3 | 8744 UNION CENTRE BLVD WEST CHESTER, OH 45069 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | — | $12 | 0.04% |
| CORRENA L PERRY3 | 1799 ROCK ROSE CT LEBANON, OH 45036 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | — | $10 | 0.04% |
| RILEY D GRAVES3 | 6590 HOMEWOOD CIR OOLTEWAH, TN 37363 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | — | $9 | 0.03% |
| MICHELE KRAUS3 | 5112 MARY LOUISE CT MORROW, OH 45152 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | — | $9 | 0.03% |
| WAYNE J COOLEY3 | PO BOX 181 SIGNAL MOUNTAIN, TN 37377 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.03% |
| DEBORAH A MINGO3 | 5593 SEAGROVE LANE HIXSON, TN 37343 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 0.03% |
| WILLIAM ROBERTS3 | 3749 SACHEM AVE CINCINNATI, OH 45226 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.02% |
| MARVIN BACKUS3 | 967 WOODSEDGE DR ERLANGER, KY 41018 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.02% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.02% |
| SHAWN M MCDERMOTT3 | 9543 CONKLIN AVE CINCINNATI, OH 45242 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| JAY S OLEARY3 Filed as: JAY S O'LEARY | 301 MALLORY STATION RD., STE. 100 FRANKLIN, TN 37067 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| BRIAN J DAY3 | 8744 UNION CENTRE BLVD WEST CHESTER, OH 45069 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| ELIZABETH E REEVES3 | 1200 MOUNTAIN CREEK RD, #102 CHATTANOOGA, TN 37405 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| LESLIE J BACKUS3 | 941 SQUIRE VALLEY DR VILLA HILLS, KY 41017 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| JEFFREY B RIDGLEY3 | 2755 DRY RUN ROAD SOUTH LEBANON, OH 45065 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| BRENT L GOODE3 | 200 GLEN ECHO RD, STE. 204 NASHVILLE, TN 37215 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| KAYTE F LOCKE3 | 390 ASHLEY DRIVE SODDY DAISY, TN 37379 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| JOSEPH L LEDOUX3 | 674 WATSON BRANCH DRIVE FRANKLIN, TN 37067 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| ALAN W MARTIN3 | 12524 MALLARD BAY DRIVE KNOXVILLE, TN 37922 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| J GAUDETT LLC3 | 11260 CHESTER RD, STE 500 CINCINNATI, OH 45246 | CONTINENTAL AMERICAN INSURANCE COMPANY | $0 | — | $0 | 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 | 9.30% |
| INSURANCE ASSOCIATES PLUS, INC.3 | 100 CROWNE POINT PLACE CINCINNATI, OH 45241 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 5.70% |
| LANG FINANCIAL GROUP, INC.3 | 4225 MALSBARY RD #100 CINCINNATI, OH 45242 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 10.37% |
| INSURNACE APPLICATIONS GROUP3 | 220 N MAIN ST GREENVILLE, SC 29601 | 4 EVER LIFE INSURANCE COMPANY | $843 | — | $843 | 17.76% |
| LANG FINANCIAL GROUP, INC.3 Filed as: LANG FINANCIAL | 4225 MALSBARY RD CINCINNATI, OH 45242 | 4 EVER LIFE INSURANCE COMPANY | $237 | — | $237 | 4.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 NONE | Contract Administrator; Claims processing Service code 12 | — | $103K |
| PLANNED ADMINISTRATORS, INC. EIN 57-0718839 NONE | Contract Administrator Service code 13 | — | $8K |
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 | 128 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BCS INSURANCE COMPANY | 43 | $51K |
| Dental(2 contracts, 2 carriers) | DENTAL CARE PLUS, INC. | 248 | $117K |
| Vision(2 contracts, 2 carriers) | BCS INSURANCE COMPANY | 130 | $70K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 210 | $21K |
| Short-term disability(2 contracts, 2 carriers) | THE LINCOLN LIFE INSURANCE COMPANY | 101 | $60K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 210 | $35K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE INSURANCE COMPANY | 131 | $247K |
| Other(3 contracts, 3 carriers) | FIDELITY SECURITY LIFE | 321 | $76K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 321 | — |
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.