| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HYLANT GROUP INC3 Filed as: HYLANT GROUP INC. | 811 MADISON AVE TOLEDO, OH 43604 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $381K | — | $381K | 4.74% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES | 1060 BROADWAY SUITE 400 ALBANY, NY 12204 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $241K | — | $241K | 3.00% |
| STEELE INSURANCE AND FINANCIAL SVCS3 Filed as: STEELE INSURANCE & FINANCIALS S | 11 MONTIF BLVD BROWNSBURG, IN 46122 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $139K | $37K | $176K | 2.19% |
| MEYERS GLAROS GROUP LLC3 Filed as: MEYERS GLAROS LLC | 8605 BROADWAY MERRILLVILLE, IN 46410 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 0.09% |
| STEALTH PARTNER GROUP LLC3 | 18700 N HAYDEN ROAD SUITE 405 SCOTTSDALE, AZ 85255 | SUN LIFE ASSURANCE COMPANY OF CANADA | $265K | $40K | $305K | 6.24% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP INC. | 811 MADISON AVE TOLEDO, OH 43604 | DELTA DENTAL OF INDIANA | $34K | — | $34K | 5.82% |
| MEYERS GLAROS GROUP LLC3 Filed as: MEYERS GLAROS LLC | 8605 BROADWAY MERRILLVILLE, IN 46410 | DELTA DENTAL OF INDIANA | $25K | — | $25K | 4.20% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP INC. | 811 MADISON AVE TOLEDO, OH 43604 | FOUR EVER LIFE INS CO | $5K | — | $5K | 6.89% |
| MEYERS GLAROS GROUP LLC3 Filed as: MEYERS GLAROS GROUP | 8605 BROADWAY SUITE A MERRILLVILLE, IN 46410 | FOUR EVER LIFE INS CO | $2K | — | $2K | 3.11% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AMERIBEN IEC GROUP EIN 82-0497661 TPA | Direct payment from the plan; Other services; Contract Administrator; Plan Administrator; Claims processing Service code 12 | — | $10K |
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 | 12,284 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 35 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 12,319 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF INDIANA | 12,319 | $3.5M |
| Vision(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 10,541 | $8.6M |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 9,915 | $8.1M |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 9,915 | $8.0M |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 9,915 | $8.0M |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 6,290 | $4.9M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 9,915 | $8.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 12,319 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.