| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HYLANT GROUP INC3 | 2820 SELWYN AVENUE SUITE 450 CHARLOTTE, NC 28209 | SYMETRA LIFE INSURANCE COMPANY | $18K | $5K | $23K | 7.53% |
| AON CONSULTING INC3 | 1120 20TH STREET NW SUITE 600 WASHINGTON, DC 20036 | SYMETRA LIFE INSURANCE COMPANY | $17K | — | $17K | 5.45% |
| AON CONSULTING INC3 | 44 WHIPPANY ROAD SUITE 220 MORRISTOWN, NJ 07960 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $4K | — | $4K | 2.80% |
| HYLANT GROUP INC3 | 811 MADISON AVENUE TOLEDO, OH 43604 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $2K | — | $2K | 1.20% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | METLIFE LEGAL PLANS, INC. | $2K | $202 | $2K | 8.16% |
| HYLANT GROUP INC3 | 811 MADISON AVENUE TOLEDO, OH 43604 | METLIFE LEGAL PLANS, INC. | $1K | — | $1K | 3.57% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 8 CADILLAC DRIVE SUITE 230 BRENTWOOD, TN 37027 | METLIFE LEGAL PLANS, INC. | — | $38 | $38 | 0.13% |
| AON CONSULTING INC3 | 200 E RANDOLPH STREET SUITE 900 CHICAGO, IL 60601 | METLIFE LEGAL PLANS, INC. | — | $24 | $24 | 0.08% |
| HYLANT GROUP INC3 | PO BOX 541, SUITE J4100 ANN ARBOR, MI 48106 | METLIFE LEGAL PLANS, INC. | — | $13 | $13 | 0.04% |
| HYLANT GROUP INC3 | 811 MADISON AVENUE TOLEDO, OH 43604 | FEDERAL INSURANCE COMPANY | $849 | $85 | $934 | 16.51% |
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 | 1,165 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 63 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,228 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 699 | $127K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 813 | $311K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 813 | $311K |
| Other(3 contracts, 3 carriers) | SYMETRA LIFE INSURANCE COMPANY | 1,165 | $346K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,165 | — |
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.