| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HYLANT GROUP INC3 | 811 MADISON AVENUE TOLEDO, OH 43604 | SYMETRA LIFE INSURANCE COMPANY | $41K | — | $41K | 11.68% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 NORTH KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | SYMETRA LIFE INSURANCE COMPANY | — | $14K | $14K | 3.97% |
| HYLANT GROUP INC3 | 811 MADISON AVENUE TOLEDO, OH 43604 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 6.05% |
No Schedule C service providers reported on this filing.
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 | 1,916 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,922 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 497 | $66K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 979 | $353K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 979 | $353K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 979 | $353K |
| Stop-loss / reinsurancereinsurance | MEDICAL MUTUAL OF OHIO | 645 | $564K |
| Other(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 1,841 | $380K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,841 | — |
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.