| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ARMS INSURANCE GROUP LLC3 Filed as: ARMS INSURANCE GROUP, LLC | — | HIGHMARK | $44K | — | $44K | 2.96% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 565 METRO PLACE SMITH SUITE 450 DUBLIN, OH 43014 | NATIONWIDE LIFE INSURANCE | $32K | — | $32K | 7.92% |
| LANCE SHNIDER3 | 752 NORTH STATE STREET SUITE 248 WESTERVILLE, OH 43082 | NATIONWIDE LIFE INSURANCE | $16K | — | $16K | 3.86% |
| FRINGE INSURANCE BENEFITS, INC.3 Filed as: FRINGE INSURANCE BENEFITS INC. | 11910 ANDERSON MILL ROAD AUSTIN, TX 78726 | NATIONWIDE LIFE INSURANCE | $5K | — | $5K | 1.22% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC | 811 MADISON AVENUE TOLEDO, OH 43604 | DELTA DENTAL OF OHIO | $17K | — | $17K | 6.45% |
| HYLANT GROUP INC3 | 811 MADISON AVENUE TOLEDO, OH 43604 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $7K | $15K | 14.10% |
| HYLANT GROUP INC3 | 811 MADISON AVENUE TOLEDO, OH 43604 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | $10K | $23K | 26.44% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP - COLUMBUS, OH | 565 METRO PARK SOUTH DUBLIN, OH 43017 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $6K | — | $6K | 9.78% |
| HYLANT GROUP INC3 | 811 MADISON AVENUE TOLEDO, OH 43604 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $874 | $1K | $2K | 32.59% |
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 | 737 | 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) | 737 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HIGHMARK | 302 | $1.9M |
| Dental | DELTA DENTAL OF OHIO | 987 | $262K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 860 | $63K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 390 | $94K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 663 | $105K |
| Prescription drug | HIGHMARK | 147 | $1.5M |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | 336 | $331K |
| Other(3 contracts, 2 carriers) | NATIONWIDE LIFE INSURANCE | 390 | $501K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 987 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.