| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 811 MADISON AVE TOLEDO, OH 43604 | DELTA DENTAL | — | — | $0 | 0.00% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 811 MADISON AVE TOLEDO, OH 43604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $9K | $9K | 1.75% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 811 MADISON AVE TOLEDO, OH 43604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $7K | $7K | 1.75% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 811 MADISON AVE TOLEDO, OH 43604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $40K | $7K | $47K | 11.75% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 811 MADISON AVE TOLEDO, OH 43604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $80K | $3K | $83K | 26.73% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | PO BOX 1687 TOLEDO, OH 43606 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $15K | — | $15K | 9.94% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 811 MADISON AVE TOLEDO, OH 43604 | FIRST UNUM LIFE INSURANCE COMPANY | $5K | $883 | $5K | 10.84% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES INC. EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $1.1M |
| HYLANT GROUP INC. EIN 34-1880366 BROKER | Other commissions Service code 55 | 811 MADISON AVE TOLEDO, OH 43604 | $243K |
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 | 2,739 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,380 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 4,119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL | 3,716 | $995K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 3,370 | $156K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,613 | $521K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,613 | $521K |
| Stop-loss / reinsurancereinsurance | UNITEDHEALTHCARE INSURANCE COMPANY | 3,694 | $2.5M |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,613 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,716 | — |
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.