| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 43604 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $5K | $0 | $5K | 3.93% |
| HYLANT GROUP INC3 | 811 MADISON AVE 8TH FL TOLEDO, OH 43604 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $18K | $606 | $19K | 15.50% |
| HYLANT GROUP INC3 | 811 MADISON AVE 8TH FL TOLEDO, OH 43604 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $354 | $4K | 5.15% |
| HYLANT GROUP INC3 | 811 MADISON AVE 8TH FL TOLEDO, OH 43604 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $214 | $4K | 10.40% |
| HYLANT GROUP INC3 | 811 MADISON AVENUE 8TH FL TOLEDO, OH 43604 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $169 | $5K | 15.51% |
| HYLANT GROUP INC3 | 811 MADISON AVENUE TOLEDO, OH 43604 | HYATT LEGAL PLANS | $1K | $212 | $2K | 7.85% |
| HYLANT GROUP INC3 | 811 MADISON AVENUE TOLEDO, OH 43604 | FEDERAL INSURANCE COMPANY | $849 | $0 | $849 | 15.01% |
| HYLANT GROUP INC3 | 811 MADISON AVE 8TH FL TOLEDO, OH 43604 | LINCOLN LIFE & ANNUITY CO OF NEW YORK | $95 | $0 | $95 | 20.08% |
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 | 607 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 47 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 654 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 538 | $126K |
| Life insurance(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 613 | $190K |
| Short-term disability | LINCOLN LIFE & ANNUITY CO OF NEW YORK | 9 | $473 |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 555 | $41K |
| Other(4 contracts, 3 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 613 | $129K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 613 | — |
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.