| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HYLANT GROUP INC3 Filed as: HYLANT GROUP-PATRICK SULLIVAN | 811 MADISON AVE TOLEDO, OH 43604 | DELTA DENTAL OF INDIANA | $6K | $0 | $6K | 9.90% |
| HYLANT GROUP INC3 | 24 FRANK LLOYD WRIGHT DR ANN ARBOR, MI 48105 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $2K | $10K | 18.76% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD RD SUITE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 5.00% |
| HYLANT GROUP INC | 24 FRANK LLOYD WRIGHT DRIVE ANN ARBOR, MI 48105 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $808 | $3K | 14.16% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD RD SUITE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $970 | $970 | 5.00% |
| HYLANT GROUP INC3 | 24 FRANK LLOYD WRIGHT DR ANN ARBOR, MI 48105 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $706 | $2K | 14.07% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD RD SUITE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $867 | $867 | 5.00% |
| HYLANT GROUP INC3 | 24 FRANK LLOYD WRIGHT DR ANN ARBOR, MI 48105 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $466 | $2K | 14.24% |
| CENTRO BENEFITS RESEARCH LLC3 | 24500 CHAGRIN BLVD STE 365 BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $550 | $550 | 5.00% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | PO BOX 1687 TOLEDO, OH 43603 | UNITED HEALTHCARE INSURANCE COMPANY | $903 | $0 | $903 | 8.84% |
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 | 0 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TELEDOC HEALTH, INC | 111 | $7K |
| Dental | DELTA DENTAL OF INDIANA | 12 | $63K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 14 | $10K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 24 | $63K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 24 | $19K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 24 | $17K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 24 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 111 | — |
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.
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.