| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 811 MADISON AVE TOLEDO, OH 43604 | MEDICAL MUTUAL OF OHIO | $102K | $55K | $157K | 3.48% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 8 CADILLAC DR.STE 230 BRENTWOOD, TN 37027 | DELTA DENTAL OF OHIO | $20K | — | $20K | 10.49% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 811 MADISON AVE TOLEDO, OH 43604 | AMERICAN UNITED LIFE INSURANCE COMPANY | $15K | — | $15K | 11.81% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 811 MADISON AVE TOLEDO, OH 43604 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $3K | — | $3K | 13.28% |
| HYLANT GROUP INC4 Filed as: HYLANT GROUP | 811 MADISON AVE TOLEDO, OH 43604 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $600 | $16 | $616 | — |
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 | 459 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 459 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL OF OHIO | 424 | $4.5M |
| Dental | DELTA DENTAL OF OHIO | 736 | $190K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 302 | $20K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 459 | $124K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 459 | $124K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 459 | $124K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 459 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 736 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.