| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HYLANT GROUP INC3 Filed as: HYLANT GROUP INC. | 6714 POINT INVERNESS WAY, SUITE 100 FORT WAYNE, IN 46804 | COMMUNITY INSURANCE COMPANY | $13K | $1K | $14K | 3.39% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVENUE, SUITE 1500 CLEVELAND, OH 44114 | COMMUNITY INSURANCE COMPANY | $0 | $6K | $6K | 1.42% |
| ERC SERVICES INC3 | 387 GOLF VIEW LANE, SUITE 100 HIGHLAND HEIGHTS, OH 44143 | COMMUNITY INSURANCE COMPANY | $377 | $0 | $377 | 0.09% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP INC. | 811 MADISON AVENUE TOLEDO, OH 43604 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $15K | $4K | $19K | 17.67% |
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 | 152 | 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) | 152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 134 | $425K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 152 | $107K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 152 | $107K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 152 | $107K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 152 | $107K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 152 | $107K |
| Prescription drug | COMMUNITY INSURANCE COMPANY | 134 | $425K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 152 | $107K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 152 | — |
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.