| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC3 | 18700 N HAYDEN ROAD SUITE 405 SCOTTSDALE, AZ 85255 | SUN LIFE ASSURANCE COMPANY OF CANADA | $117K | $40K | $157K | 6.70% |
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 43604 | UNITEDHEALTHCARE INSURANCE COMPANY | $203K | — | $203K | 13.66% |
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 43604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 0.43% |
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 43604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $9K | $9K | 1.93% |
| HYLANT GROUP INC3 | 811 MADISON AVE SUITE 405 TOLEDO, OH 43604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $30K | $6K | $36K | 11.47% |
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 43604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $62K | $2K | $64K | 21.80% |
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 43604 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $13K | — | $13K | 10.37% |
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 43604 | DELTA DELTAL OF OHIO | $32K | — | $32K | 56.65% |
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 43604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $950 | $5K | 10.60% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES INC. EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | 9700 HEALTH CARE LN MINNETONKA, MN 55343 | $1.5M |
| DELTA DENTAL OF OHIO EIN 31-0685339 BENEFITS ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | 5600 BLAZER PARKWAY SUITE 150 DUBLIN, OH 43017 | $57K |
| PRIME THERAPEUTICS MANAGEMENT LLC EIN 46-3708039 PHARMACY BENEFIT MGMT | Other fees; Direct payment from the plan; Claims processing Service code 12 | PO BOX 621988 ORLANDO, FL 32862 | $50K |
| HYLANT GROUP INC EIN 34-1880368 BROKER | Other commissions Service code 55 | 811 MADISON AVE TOLEDO, OH 43604 | $32K |
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 | 1,325 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,325 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,325 | $1.5M |
| Dental | DELTA DELTAL OF OHIO | 0 | $57K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 2,237 | $127K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,712 | $498K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,712 | $498K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,300 | $2.3M |
| Other(5 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,035 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,237 | — |
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.
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.