| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 811 MADISON AVE TOLEDO, OH 43624 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | $34K | $35K | 2.78% |
| STRUCTURED BENEFITS3 Filed as: STRUCTURED BENEFITS LLC | 5217 MONROE ST, SUITE B2-2 TOLEDO, OH 43623 | AMERICAN UNITED LIFE INSURANCE COMPANY | $4K | — | $4K | 9.00% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 811 MADISON AVE TOLEDO, OH 43624 | AMERICAN UNITED LIFE INSURANCE COMPANY | $2K | — | $2K | 6.00% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 811 MADISON AVE TOLEDO, OH 43624 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 9.99% |
| KEITH SILVERNAIL3 | 5149 ARBOR WAY SYLVANIA, OH 43560 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $652 | — | $652 | 5.53% |
| 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 | $236 | — | $236 | 2.00% |
| STUCTURED BENEFITS LLC3 | 5217 MONROE ST, SUITE B2-2 TOLEDO, OH 43623 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $104 | — | $104 | 0.88% |
| THOMAS W BOSTON3 | 1275 W MAPLE ST HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $17 | — | $17 | 0.14% |
| ARMIN G LEONHARDT3 | 9000 FRANCINE LANE POWELL, OH 43065 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9 | — | $9 | 0.08% |
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 | 192 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 198 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 300 | $1.3M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 300 | $1.3M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 300 | $1.3M |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 300 | $1.3M |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 90 | $41K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 90 | $41K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 300 | $1.3M |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 300 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 300 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.