| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HYLANT GROUP INC3 | 811 MADISON AVE TOLDEO, OH 43604 | UNITEDHEALTHCARE INSURANCE COMPANY | $48K | — | $48K | 5.22% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP INC. | 811 MADISON AVE TOLDEO, OH 43604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $36K | $7K | $43K | 13.92% |
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 43604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $74K | — | $74K | 35.35% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP INC. | 811 MADISON AVE TOLEDO, OH 43604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $24K | $5K | $28K | 13.81% |
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 43604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $19K | $4K | $23K | 13.86% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | 2522 CENTRAL AVE NE SUITE 204 MINNEAPOLIS, MN 55418 | $762K |
| HYLANT GROUP INC EIN 34-1880366 BROKER | Other commissions Service code 55 | 811 MADISON AVE TOLEDO, OH 43604 | $0 |
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 | 2,856 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,856 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 2,856 | $1.8M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 2,856 | $916K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 2,856 | $916K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 728 | $204K |
| Short-term disability(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,781 | $680K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,781 | $308K |
| Stop-loss / reinsurancereinsurance | UNITEDHEALTHCARE INSURANCE COMPANY | 2,856 | $916K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,159 | $209K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,856 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.