| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 811 MADISON AVE TOLEDO, OH 43624 | MEDICAL MUTUAL OF OHIO | $44K | $18K | $62K | 4.15% |
| STRUCTURED BENEFITS3 Filed as: STRUCTURED BENEFITS LLC | 5217 MONROE ST, SUITE B2-2 TOLEDO, OH 43623 | AMERICAN UNITED LIFE INSURANCE COMPANY | $2K | — | $2K | 9.00% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 811 MADISON AVE TOLEDO, OH 43624 | AMERICAN UNITED LIFE INSURANCE COMPANY | $2K | $100 | $2K | 6.38% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 811 MADISON AVE TOLEDO, OH 43624 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 10.02% |
| KEITH SILVERNAIL3 | 5217 MONROE ST, SUITE B2-2 TOLEDO, OH 43623 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $593 | — | $593 | 4.54% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: NANCY BROWN | 5217 MONROE ST, SUITE B2-2 TOLEDO, OH 43623 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $593 | — | $593 | 4.54% |
| STRUCTURED BENEFITS3 Filed as: STRUCTURED BENEFITS LLC | 5217 MONROE ST, SUITE B2-2 TOLEDO, OH 43623 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $128 | — | $128 | 0.98% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 811 MADISON AVE TOLEDO, OH 43624 | CONSUMERS LIFE INSURANCE COMPANY | $1K | $609 | $2K | 16.91% |
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 | 153 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL OF OHIO | 152 | $1.5M |
| Dental | DELTA DENTAL OF OHIO | 249 | $71K |
| Life insurance | CONSUMERS LIFE INSURANCE COMPANY | 210 | $12K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 84 | $27K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 84 | $27K |
| Prescription drug | MEDICAL MUTUAL OF OHIO | 152 | $1.5M |
| Other(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 210 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 249 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.