| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HYLANT GROUP INC3 | 811 MADISON AVENUE SUITE 450 TOLEDO, OH 43604 | SYMETRA LIFE INSURANCE COMPANY | $37K | $6K | $43K | 14.96% |
| HYLANT GROUP INC3 | — | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $5K | — | $5K | 6.00% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP INC. | 811 MADISON AVENUE TOLEDO, OH 43604 | MAGELLAN BEHAVIORAL HEALTH | $1K | — | $1K | 4.82% |
| THE FEDELI GROUP3 Filed as: THE FEDELI GROUP INC | PO BOX 318003 CLEVELAND, OH 44131 | GUARDIAN LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| LIFETIME FINANCIAL GROWTH OF N3 | 24500 CHAGRIN BLVD BEACHWOOD, OH 44122 | GUARDIAN LIFE INSURANCE COMPANY | $43 | — | $43 | 0.39% |
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 | 1,290 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,297 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 692 | $92K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 1,155 | $287K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 1,155 | $287K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY | 45 | $11K |
| Stop-loss / reinsurancereinsurance | MEDICAL MUTUAL OF OHIO | 784 | $669K |
| Other(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 1,939 | $317K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,939 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.