| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HYLANT GROUP INC3 | ACCOUNTING TOLEDO, OH 43604 | COMMUNITY INSURANCE COMPANY | $47K | $5K | $53K | 2.73% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS | 325 NORTH KIRKWOOD ROAD KIRKWOOD, MA 63122 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $1K | $4K | 5.57% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 3.37% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 811 MADISON AVENUE TOLEDO, OH 43604 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 2.85% |
| HYLANT GROUP INC3 | 811 MADISON AVENUE TOLEDO, OH 43604 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $572 | $5K | 7.16% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 2.94% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH | 325 N KIRKWOOD RD STE 300 KRIKWOOD, MO 63122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $499 | $2K | 2.87% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 811 MADISON AVENUE TOLEDO, OH 43604 | NVA | $1K | — | $1K | 10.00% |
| HYLANT GROUP INC3 | 811 MADISON AVENUE TOLEDO, OH 43604 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $291 | $39 | $330 | 7.16% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $136 | — | $136 | 2.95% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH | 325 N KIRKWOOD RD STE 300 KRIKWOOD, MO 63122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $98 | $33 | $131 | 2.84% |
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 | 281 | 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) | 281 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 279 | $1.9M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 340 | $73K |
| Vision | NVA | 257 | $12K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 285 | $68K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 285 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 340 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.