| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 43604 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 0.85% |
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 43604 | DELTA DENTAL OF OHIO | $0 | $23K | $23K | 11.91% |
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 43604 | UNUM LIFE INSURANCE COMPANY | $0 | $3K | $3K | 4.00% |
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 43604 | UNUM LIFE INSURANCE COMPANY | $5K | $1K | $7K | 25.21% |
| HYLANT GROUP INC3 | 811 MADISON AVE TOLDEO, OH 43604 | UNUM LIFE INSURANCE COMPANY | $10K | $108 | $10K | 55.24% |
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 43604 | UNUM LIFE INSURANCE COMPANY | $737 | $86 | $823 | 16.74% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES INC EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | 12700 WHITEWATER DR MINNETONKA, MN 55343 | $116K |
| HYLANT GROUP INC EIN 34-1880366 BROKER | Other commissions Service code 55 | 811 MADISON AVE TOLEDO, OH 43604 | $50K |
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 | 1,982 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 83 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,065 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 2,771 | $481K |
| Dental | DELTA DENTAL OF OHIO | 2,721 | $191K |
| Vision | EYEMED | 2,567 | $30K |
| Life insurance | UNUM LIFE INSURANCE COMPANY | 1,684 | $26K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY | 1,684 | $26K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 2,771 | $481K |
| Stop-loss / reinsurancereinsurance | UNITEDHEALTHCARE INSURANCE COMPANY | 2,771 | $481K |
| Other(4 contracts) | UNUM LIFE INSURANCE COMPANY | 1,684 | $130K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,771 | — |
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.