| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTRO BENEFITS RESEARCH LLC | 325 N KIRKWOOD RD SUITE 300 KIRKWOOD, MO 63122 | GUARDIAN | $6K | $5K | $11K | — |
| HYLANT GROUP INC Filed as: HYLANT GROUP, INC. | 811 MADISON SUITE 300 TOLEDO, OH 43604 | GUARDIAN | $5K | — | $5K | — |
| HYLANT GROUP INC Filed as: HYLANT GROUP, INC. | 811 MADISON AVE TOLEDO, OH 43604 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $880 | — | $880 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-0199527 CLAIMS PROCESSING | Claims processing Service code 12 | 115 W WAUSAU AVE WAUSAU, WI 54401 | $766K |
| HYLANT GROUP, INC. EIN 34-1880366 BROKER | Other commissions Service code 55 | PO BOX 1687 TOLEDO, OH 43603 | $242K |
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 | 825 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 825 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1 | $0 |
| Dental(2 contracts, 2 carriers) | GUARDIAN | 825 | $0 |
| Vision(2 contracts, 2 carriers) | GUARDIAN | 825 | $0 |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN | 825 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 825 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.