| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HYLANT GROUP INC3 | PO BOX 1687 TOLEDO, OH 43603 | HARTFORD LIFE AND ACCIDENT | $24K | $0 | $24K | 14.40% |
| CENTRO BENEFITS RESEARCH LLC3 | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | HARTFORD LIFE AND ACCIDENT | $6K | $0 | $6K | 3.78% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC OF FLORIDA | 29840 NETWORK PLACE CHICAGO, IL 60673 | HARTFORD LIFE AND ACCIDENT | $4K | $820 | $5K | 2.89% |
| CUSTOM BENEFIT PROGRAMS INC3 | PO BOX 1116 HAMMONTON, NJ 08037 | HARTFORD LIFE AND ACCIDENT | $502 | $0 | $502 | 0.31% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | PO BOX 955816 SAINT LOUIS, MO 63195 | HARTFORD LIFE AND ACCIDENT | $0 | $109 | $109 | 0.07% |
| HYLANT GROUP INC3 | 811 MADISON AVENUE TOLEDO, OH 43604 | DELTA DENTAL OF OHIO | $6K | $0 | $6K | 4.54% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES OF FLORIDA | 13901 SUTTON PARK DRIVE S BUILDING C, SUITE 360 JACKSONVILLE, FL 32224 | DELTA DENTAL OF OHIO | $2K | $0 | $2K | 1.36% |
| HYLANT GROUP INC3 | 811 MADISON AVENUE TOLEDO, OH 43604 | VISION SERVICE PLAN | $1K | $0 | $1K | 6.51% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES OF FLORIDA | PO BOX 955909 SAINT LOUIS, MO 63195 | VISION SERVICE PLAN | $113 | $0 | $113 | 0.56% |
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 | 210 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 210 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OHIO | 336 | $124K |
| Vision | VISION SERVICE PLAN | 152 | $20K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 210 | $164K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 210 | $164K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 210 | $164K |
| Other | HARTFORD LIFE AND ACCIDENT | 210 | $164K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 336 | — |
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.