| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | PO BOX 1687 TOLEDO, OH 43603 | UNITED HEALTHCARE INSURANCE COMPANY | $12K | $0 | $12K | 10.00% |
| HYLANT GROUP INC3 | 811 MADISON AVE SUITE 100 TOLEDO, OH 43604 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | $4K | $17K | 19.17% |
| HYLANT GROUP INC3 | 811 MADISON AVE SUITE 100 TOLEDO, OH 43604 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $1K | $5K | 14.05% |
| HYLANT GROUP INC3 | 811 MADISON AVE SUITE 100 TOLEDO, OH 43604 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $1K | $4K | 14.05% |
| HYLANT GROUP INC3 | 811 MADISON AVE SUITE 100 TOLEDO, OH 43604 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $839 | $3K | 14.05% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC | PO BOX 1687 TOLEDO, OH 43603 | UNITED HEALTHCARE INSURANCE COMPANY | $2K | $0 | $2K | 9.98% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 811 MADISON AVE TOLEDO, OH 43604 | TELEDOC HEALTH, INC | $1K | $0 | $1K | 15.00% |
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 | 177 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 177 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TELEDOC HEALTH, INC | 181 | $8K |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 118 | $123K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 128 | $16K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 177 | $107K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 177 | $36K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 177 | $31K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 177 | $107K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 181 | — |
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.