| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HYLANT GROUP INC3 | 250 INTERNATIONAL PARKWAY SUITE 330 LAKE MARY, FL 32746 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $92K | $3K | $95K | 12.31% |
| HYLANT GROUP INC3 | 811 MADISON AVENUE TOLEDO, OH 43604 | METROPOLITAN LIFE INSURANCE COMPANY | $23K | $2K | $25K | 10.93% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $3K | $15K | 6.50% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $12K | $12K | 5.05% |
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, IL 43604 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $352 | $8K | 3.67% |
| HYLANT GROUP INC3 | 811 MADISON AVENUE TOLEDO, OH 43604 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $26K | $3K | $29K | 14.40% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 | PO BOX 9039 AUSTIN, TX 78766 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $0 | $10K | $10K | 5.01% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $0 | $9K | $9K | 4.42% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $2K | $2K | 1.23% |
No Schedule C service providers reported on this filing.
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 | 458 | 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) | 458 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 235 | $770K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 374 | $228K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 374 | $228K |
| Life insurance | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 458 | $202K |
| Short-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 458 | $202K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 458 | $202K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 235 | $770K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 458 | $430K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 458 | — |
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.