| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HYLANT GROUP INC3 | 6714 POINTE INVERNESS WAY SUITE 100 FORT WAYNE, IN 46804 | COMMUNITY INSURANCE COMPANY | $35K | $10K | $45K | 2.08% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 811 MADISON AVENUE TOLEDO, OH 43604 | MEDICAL MUTUAL/SUPERIOR DENTAL CARE | $7K | $1K | $8K | 12.22% |
| HYLANT GROUP INC3 | 811 MADISON AVENUE TOLEDO, OH 43604 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $408 | $6K | 13.38% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 NORTH KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $867 | $856 | $2K | 4.14% |
| HYLANT GROUP INC3 | 811 MADISON AVENUE TOLEDO, OH 43604 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $213 | $2K | 9.28% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 NORTH KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $436 | $428 | $864 | 4.13% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 811 MADISON AVENUE TOLEDO, OH 43603 | VISION SERVICE PLAN | $964 | — | $964 | 6.55% |
| HYLANT GROUP INC3 | 811 MADISON AVENUE TOLEDO, OH 43604 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 18.50% |
| ACCRETIVE ENROLLMENT SVCS LLC3 | 27064 OAKMEAD PERRYSBURG, OH 43551 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $188 | — | $188 | 1.42% |
| FISHCO INC3 | 227 NORTH LYNN STREET BRYAN, OH 43506 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $141 | — | $141 | 1.07% |
| HYLANT GROUP INC3 | 811 MADISON AVENUE TOLEDO, OH 43604 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 15.50% |
| ACCRETIVE ENROLLMENT SVCS LLC3 | 27064 OAKMEAD PERRYSBURG, OH 43551 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $145 | — | $145 | 1.23% |
| FISHCO INC3 | 227 NORTH LYNN STREET BRYAN, OH 43506 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $109 | — | $109 | 0.93% |
| HYLANT GROUP INC3 | 811 MADISON AVENUE TOLEDO, OH 43604 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $547 | $39 | $586 | 13.26% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 NORTH KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $91 | $91 | $182 | 4.12% |
| HYLANT GROUP INC3 | 811 MADISON AVENUE TOLEDO, OH 43604 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $268 | $23 | $291 | 13.57% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 NORTH KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $45 | $45 | $90 | 4.20% |
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 | 183 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 185 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 146 | $2.2M |
| Dental | MEDICAL MUTUAL/SUPERIOR DENTAL CARE | 111 | $66K |
| Vision | VISION SERVICE PLAN | 114 | $15K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 183 | $42K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 183 | $21K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 10 | $2K |
| Other(4 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 183 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 183 | — |
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.