| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LISA HAWKER3 Filed as: LISA G. HAWKER | 2334 SUNFLOWER COURT PERRYSBURG, OH 43551 | HIGHMARK INC. | $45K | — | $45K | 2.90% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 24 FRANK LLOYD WRIGHT DRIVE ANN ARBOR, MI 48105 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $24K | $12K | $36K | 11.53% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH, LLC | 325 NORTH KIRKWOOD ROAD, SUITE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $15K | $15K | 4.63% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH, LLC | 24500 CHAGRIN BOULEVARD, SUITE 365 BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 0.37% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 565 METRO PLACE SOUTH, SUITE 450 DUBLIN, OH 43017 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $26K | — | $26K | 11.25% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 565 METRO PARK SOUTH, SUITE 450 DUBLIN, OH 43017 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $6K | — | $6K | 12.29% |
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 | 639 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 643 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HIGHMARK INC. | 190 | $1.8M |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 786 | $53K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 639 | $316K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 639 | $316K |
| Prescription drug | HIGHMARK INC. | 166 | $1.5M |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 639 | $316K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 786 | — |
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.