| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HYLANT GROUP INC3 Filed as: HYLANT | 811 MADISON AVENUE TOLEDO, OH 43604 | WESTCHESTER SURPLUS LINES INSURANCE CO | $63K | — | $63K | 10.00% |
| SWETT AND CRAWFORD3 | 3350 RIVERWOOD PARKWAY, SUITE 1100 ATLANTA, GA 30339 | WESTCHESTER SURPLUS LINES INSURANCE CO | $47K | — | $47K | 7.50% |
| HYLANT GROUP INC3 Filed as: HYLANT | 811 MADISON AVENUE TOLEDO, OH 43604 | LEXINGTON INSURANCE COMPANY | $7K | — | $7K | 8.00% |
| SWETT AND CRAWFORD3 | 3350 RIVERWOOD PARKWAY, SUITE 1100 ATLANTA, GA 30339 | LEXINGTON INSURANCE COMPANY | $6K | — | $6K | 7.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CARUSO SMITH PICINI PC EIN 22-3013362 NONE | Legal Service code 29 | — | $1.4M |
| MATTMILLER CROSBIE EIN 47-3178366 NONE | Legal Service code 29 | — | $1.2M |
| HYLANT GROUP, INC. EIN 34-1456671 ENROLLMENT & MKT ADMIN | Insurance agents and brokers; Participant communication; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $1.1M |
| SEDGWICK CLAIMS MANAGEMENT EIN 36-2685608 CLAIMS ADMINISTRATOR | Claims processing Service code 12 | — | $973K |
| CROWLEY SO LLP EIN 75-3211912 NONE | Legal Service code 29 | — | $706K |
| ELKUS AND SISSON PC EIN 02-0747893 NONE | Legal Service code 29 | — | $693K |
| THENELL LAW GROUP, P.C EIN 45-4378288 NONE | Legal Service code 29 | — | $445K |
| FRONT LINE LAW LLC EIN 84-1901898 NONE | Legal Service code 29 | — | $387K |
| BENNETT VERNIER PLLC EIN 92-0528785 NONE | Legal Service code 29 | — | $373K |
| LAW OFFICES OF PATRICK J MCANDREW EIN 46-1309632 NONE | Legal Service code 29 | — | $360K |
| GUSTE, BARNETT, SCHLESINGER ALPAUGH EIN 43-6609270 NONE | Legal Service code 29 | — | $322K |
| LORUSSO LAW FIRM P.C. EIN 26-1656074 NONE | Legal Service code 29 | — | $315K |
| SCANLAN LAW PLLC EIN 86-1520754 NONE | Legal Service code 29 | — | $305K |
| FARAG LEGAL SERVICES PLLC EIN 92-0267329 NONE | Legal Service code 29 | — | $279K |
| HART JARVIS MURRAY CHANG PLLC EIN 46-5687334 NONE | Legal Service code 29 | — | $245K |
| LAW OFFICE OF PELAYES & YU, APC EIN 82-1124132 NONE | Legal Service code 29 | — | $240K |
| THE GOODE LAW FIRM, A P.L.C. EIN 72-1293192 NONE | Legal Service code 29 | — | $232K |
| MCCAULEY & ROACH, LLC EIN 27-0157485 NONE | Legal Service code 29 | — | $220K |
| LEONI LAW EIN 81-4911412 NONE | Legal Service code 29 | — | $204K |
| C. ELSTON & ASSOCIATES, LLC EIN 20-0797226 NONE | Legal Service code 29 | — | $200K |
| WOOD, PUHL & WOOD, PLLC EIN 26-0011167 NONE | Legal Service code 29 | — | $193K |
| HARDWICK INVESTIGATIVE SERVICES INC EIN 87-0943367 NONE | Other services Service code 49 | — | $162K |
| HUNTLEY LAW LLC EIN 83-4612586 NONE | Legal Service code 29 | — | $162K |
| LUMEN8 ADVISORS LLC EIN 45-2519694 NONE | Legal Service code 29 | — | $161K |
| MARK C COLLINS CO LPA EIN 33-1024467 NONE | Legal Service code 29 | — | $161K |
| LAW OFFICES OF JACK BYRD PLLC EIN 26-3606213 NONE | Legal Service code 29 | — | $158K |
| DAVID LAW OFFICES PLLC EIN 88-3213166 NONE | Legal Service code 29 | — | $156K |
| SMITH MILLS & SCHROCK LAW EIN 26-0041297 NONE | Legal Service code 29 | — | $156K |
| COREY GLAVE, ATTORNEY AT LAW EIN 26-1166420 NONE | Legal Service code 29 | — | $155K |
| LAW OFFICE OF DANIEL MARKS, LTD. EIN 27-1530647 NONE | Legal Service code 29 | — | $154K |
| DONOVAN J. JACOBS EIN 55-0029454 NONE | Legal Service code 29 | — | $145K |
| LIVINGSTON AND SHEPHERD TRIAL CONSU EIN 47-5668198 NONE | Legal Service code 29 | — | $144K |
| AUBRY HUNTSMAN P.A. EIN 48-1210927 NONE | Legal Service code 29 | — | $143K |
| STITES & HARBISON PLLC EIN 61-0680249 NONE | Legal Service code 29 | — | $137K |
| GIBBONS FIRM PC EIN 82-2910745 NONE | Legal Service code 29 | — | $136K |
| MALLET LAW OFFICES PLLC EIN 83-4418261 NONE | Legal Service code 29 | — | $133K |
| HARSHMAN & WANNEMACHER EIN 31-1476772 NONE | Legal Service code 29 | — | $131K |
| DOLLE AND MATHEWS CO LPA EIN 31-0997905 NONE | Legal Service code 29 | — | $124K |
| LAW OFFICE OF SAKU E. ETHIR EIN 56-7879717 NONE | Legal Service code 29 | — | $119K |
| SCOTT W. DUNLAP, ATTORNEY AT LAW EIN 80-0969240 NONE | Legal Service code 29 | — | $112K |
| THE JSAY GROUP LLC EIN 84-3702953 NONE | Legal Service code 29 | — | $109K |
| EUGENE P. CICARDO JR, ATTORNEY EIN 72-1227532 NONE | Legal Service code 29 | — | $107K |
| WEAVER & ASSOCIATES, ATTORNEYS EIN 26-2826579 NONE | Legal Service code 29 | — | $106K |
| ATTORNEYS HARTMAN CHARTERED EIN 22-3244049 NONE | Legal Service code 29 | — | $104K |
| FAULKNER, HOFFMAN & PHILLIPS LLC EIN 45-1540483 NONE | Legal Service code 29 | — | $100K |
| MATT MURPHY LAW GROUP EIN 84-2133476 NONE | Legal Service code 29 | — | $90K |
| JESSICA MAHER LAW LLC EIN 88-3716495 NONE | Legal Service code 29 | — | $89K |
| FRANCIS J HILL EIN 05-8401641 NONE | Other services Service code 49 | — | $88K |
| SMITH WOOLF ANDERSON & WILKINSON EIN 26-0676687 NONE | Legal Service code 29 | — | $85K |
| LAW OFFICE OF JOHN D. BARNETT EIN 33-0615858 NONE | Legal Service code 29 | — | $78K |
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 | 117,424 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 117,424 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | WESTCHESTER SURPLUS LINES INSURANCE CO | 117,424 | $707K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 117,424 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.