| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 811 MADISON AVENUE TOLEDO, OH 43604 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $37K | $37K | 5.48% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62899 VIRGINIA BEACH, VA 26466 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $28K | $28K | 4.06% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 6714 POINTE INVERNESS WAY SUITE 100 FORT WAYNE, IN 46804 | ANTHEM LIFE INSURANCE COMPANY | $8K | $744 | $9K | 8.81% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | ANTHEM LIFE INSURANCE COMPANY | $4K | $0 | $4K | 3.62% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 6714 POINTE INVERNESS WAY SUITE 100 FORT WAYNE, IN 46804 | COMMUNITY INSURANCE COMPANY | $9K | $394 | $10K | 12.74% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | COMMUNITY INSURANCE COMPANY | $2K | $0 | $2K | 2.51% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 811 MADISON AVENUE TOLEDO, OH 43604 | SUN LIFE ASSURANCE COMPANY OF CANADA | $261 | $0 | $261 | 8.97% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62899 VIRGINIA BEACH, VA 26466 | SUN LIFE ASSURANCE COMPANY OF CANADA | $120 | $0 | $120 | 4.12% |
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 | 150 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 163 | $679K |
| Dental | COMMUNITY INSURANCE COMPANY | 219 | $75K |
| Vision | COMMUNITY INSURANCE COMPANY | 219 | $75K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 147 | $100K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 147 | $100K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 163 | $679K |
| Other(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 147 | $103K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 219 | — |
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.