| 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 | — | $3K | 4.11% |
| 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 | — | $6K | 10.00% |
| INSURANCE APPLICATIONS GROUP3 | 220 N MAIN ST GREENVILLE, SC 29601 | BCS INSURANCE COMPANY | $5K | — | $5K | 11.26% |
| 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 | 4225 MALSBARY RD #100 CINCINNATI, OH 45242 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 10.37% |
| 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 | — | $4K | 15.00% |
| LANG FINANCIAL GROUP, INC.3 | 4225 MALSBARY RD, STE 100 CINCINNATI, OH 45242 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 16.06% |
| MARY ANN WILLIAMS3 | 6661 KULGER MILL ROAD CINCINNATI, OH 45236 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 9.52% |
| SHANA WOLF3 Filed as: SHANA R WOLF | 11260 CHESTER RD. SUITE 100 CINCINNATI, OH 45246 | CONTINENTAL AMERICAN INSURANCE COMPANY | $492 | — | $492 | 1.99% |
| STEPHEN BRIAN LOMBARDOZZI3 Filed as: STEPHEN B LOMBARDOZZI | 5329 GARZASZ DR LORAIN, OH 44053 | CONTINENTAL AMERICAN INSURANCE COMPANY | $331 | — | $331 | 1.34% |
| MATTHEW D SMITH3 | 7905 TANCES DR CINCINNATI, OH 45243 | CONTINENTAL AMERICAN INSURANCE COMPANY | $296 | — | $296 | 1.20% |
| GENESIS & ASSOCIATES LLC3 | 838 ACKLEY RD CINCINNATI, OH 45255 | CONTINENTAL AMERICAN INSURANCE COMPANY | $241 | — | $241 | 0.98% |
| SHANA WOLF3 Filed as: SHANA R WOLF | 5128 SONNY DR CINCINNATI, OH 45230 | CONTINENTAL AMERICAN INSURANCE COMPANY | $101 | — | $101 | 0.41% |
| LEE KRAUS3 | 1382 IRONWOOD DR LEBANON, OH 45036 | CONTINENTAL AMERICAN INSURANCE COMPANY | $46 | — | $46 | 0.19% |
| LEE KRAUS3 | 1382 IRONWOOD DR LEBANON, OH 45036 | CONTINENTAL AMERICAN INSURANCE COMPANY | $44 | — | $44 | 0.18% |
| MICHAEL E MCCARTHY3 | PO BOX 1047 DUNDEE, IL 30118 | CONTINENTAL AMERICAN INSURANCE COMPANY | $30 | — | $30 | 0.12% |
| HARE AND ASSOCIATES LLC3 Filed as: HARE AND ASSOC LLC | 7814 CRAINDOW CT DUBLIN, OH 43017 | CONTINENTAL AMERICAN INSURANCE COMPANY | $30 | — | $30 | 0.12% |
| JAMES J GRETHEL3 | 865 CEDAR DR LOVELAND, OH 45140 | CONTINENTAL AMERICAN INSURANCE COMPANY | $26 | — | $26 | 0.11% |
| INGER M PENNINGTON3 | 7179 HONEYWOOD CT CINCINNATI, OH 45230 | CONTINENTAL AMERICAN INSURANCE COMPANY | $18 | — | $18 | 0.07% |
| BRIAN J DAY3 | 8744 UNION CENTRE BLVD WEST CHESTER, OH 45069 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14 | — | $14 | 0.06% |
| CHRISTOPHER E BIALKA3 | 4460 BLACK OADK LANE MASON, OH 45040 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | — | $11 | 0.04% |
| ALAN W FOSTER3 | 716 FRENCH RIVER RD NOLENSVILLE, TN 37135 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.03% |
| GROVE FINANCIAL LLC3 | 4502 GLENBROOK DR PALM HARBOR, FL 34683 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.03% |
| JOSEPH T WILLIAMS3 | 6661 KUGGLER MILL RD CINCINNATI, OH 45236 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 0.03% |
| WAYNE G MCMEEN3 | 7902 COVE RIDGE DR HIXSON, TN 37343 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 0.03% |
| IAN B BRANYON3 | 8744 UNION CENTRE BLVD WEST CHESTER, OH 45069 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.02% |
| DEBORAH A MINGO3 | 5593 SEAGROVE LANE HIXSON, TN 37343 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.02% |
| MICHELLE KRAUS3 | 5112 MARY LOUISE CT MORROW, OH 45152 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| BRIAN J DAY3 | 8744 UNION CENTRE BLVD WEST CHESTER, OH 45069 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| WILLIAM ROBERTS3 | 3749 SACHEM AVE CINCINNATI, OH 45226 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| WILLIAM J COOLEY3 | PO BOX 181 SIGNAL MOUNTAIN, TN 37377 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| RILEY D GRAVES3 | 9590 HOMEWOOD CIR OOLTEWAH, TN 37363 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| SHAWN M MCDERMOTT3 | 9543 CONKLIN AVE CINCINNATI, OH 45242 | 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% |
| JAY S OLEARY3 Filed as: JAY S O'LEARY | 301 MALLORY STATION RD STE. 100 NOLENSVILLE, TN 37135 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| ELIZABETH E REEVES3 | 1200 MOUNTAIN CREEK RD #102 CHATTANOOGA, TN 37405 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| 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 | — | $2K | 10.17% |
| LANG FINANCIAL GROUP, INC.3 Filed as: LANG FINANCIAL GROUP | 4225 MALSBARY ROAD #100 CINCINNATI, OH 45242 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| INSURANCE APPLICATIONS GROUP3 | 220 N MAIN ST GREENVILLE, SC 29601 | 4 EVER LIFE INSURANCE COMPANY | $1K | — | $1K | 18.00% |
| LANG FINANCIAL GROUP, INC.3 Filed as: LANG FINANCIAL | 4225 MALSBARY RD CINCINNATI, OH 45242 | 4 EVER LIFE INSURANCE COMPANY | $404 | — | $404 | 5.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 NONE | Claims processing; Contract Administrator Service code 12 | — | $92K |
| 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 | 283 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 285 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BCS INSURANCE COMPANY | 52 | $48K |
| Dental(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 168 | $112K |
| Vision(2 contracts, 2 carriers) | BCS INSURANCE COMPANY | 148 | $62K |
| Life insurance(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 221 | $54K |
| Short-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 134 | $91K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 221 | $37K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE INSURANCE COMPANY | 121 | $229K |
| Other(5 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 221 | $110K |
| 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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.