| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ARMS INSURANCE GROUP LLC3 Filed as: ARMS INSURANCE GROUP, INC | 3000 LENTO BOULEVARD BETHEL PARK, PA 15102 | HIGHMARK | $40K | — | $40K | 3.27% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 565 METRO PLACE SMITH SUITE 450 DUBLIN, OH 43014 | NATIONWIDE LIFE INSURANCE | $34K | — | $34K | 5.71% |
| VOLUNTARY BENEFIT ADVISORS3 Filed as: VOLUNTARY BENEFITS AGENCY | 68 NORTH HIGH STREET BUILDING B, SUITE 201 NEW ALBANY, OH 43054 | NATIONWIDE LIFE INSURANCE | $18K | — | $18K | 2.97% |
| FRINGE INSURANCE BENEFITS, INC.3 | 11910 ANDERSON MILL ROAD AUSTIN, TX 78726 | NATIONWIDE LIFE INSURANCE | $5K | — | $5K | 0.82% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | PO BOX 1687 TOLEDO, OH 43603 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $21K | — | $21K | 6.96% |
| HYLANT GROUP INC3 | 811 MADISON AVENUE TOLEDO, OH 43604 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $2K | $11K | 9.00% |
| HYLANT GROUP INC3 | 811 MADISON AVENUE TOLEDO, OH 43604 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $668 | $4K | 12.08% |
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 | 950 | 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) | 950 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HIGHMARK | 406 | $1.8M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 590 | $299K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 592 | $32K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 588 | $118K |
| Prescription drug | HIGHMARK | 161 | $1.2M |
| Stop-loss / reinsurancereinsurance | UNITEDHEALTHCARE INSURANCE COMPANY | 328 | $33K |
| Other | NATIONWIDE LIFE INSURANCE | 406 | $598K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 592 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.