| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HYLANT GROUP INC3 | 811 MADISON AVE 8TH FL TOLEDO, OH 43604 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $16K | $2K | $18K | 17.38% |
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 43604 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 4.61% |
| HYLANT GROUP INC3 | 811 MADISON AVE 8TH FL TOLEDO, OH 43604 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $2K | $5K | 7.67% |
| HYLANT GROUP INC3 | 811 MADISON AVE 8TH FL TOLEDO, OH 43604 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $915 | $5K | 13.27% |
| HYLANT GROUP INC3 | 811 MADISON AVE 8TH FL TOLEDO, OH 43604 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $720 | $5K | 17.59% |
| HYLANT GROUP INC3 | 811 MADISON AVENUE TOLEDO, OH 43604 | HYATT LEGAL PLANS | $2K | $36 | $2K | 10.20% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP INC. | 24 FRANK LLOYD WRIGHT DRIVE PO BOX 541, SUITE J4100 ANN ARBOR, MI 48106 | HYATT LEGAL PLANS | $0 | $270 | $270 | 1.53% |
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 43604 | FEDERAL INSURANCE COMPANY | $848 | $0 | $848 | 14.99% |
| HYLANT GROUP INC3 | 811 MADISON AVE 8TH FLOOR TOLEDO, OH 43604 | LINCOLN NATIONAL LIFE & ANNUITY CO OF NEW YORK | $63 | $0 | $63 | 20.13% |
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 | 579 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 596 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 470 | $91K |
| Life insurance(3 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 595 | $193K |
| Short-term disability | LINCOLN NATIONAL LIFE & ANNUITY CO OF NEW YORK | 7 | $313 |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 549 | $36K |
| Other(4 contracts, 3 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 595 | $112K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 595 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.