| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT ASSISTANCE CORPORATION5 | PO BOX 950 HURRICANE, WV 25526 | OPTUM UNITED HEALTHCARE | — | $116K | $116K | 10.69% |
| MEDICAL MUTUAL3 | 2060 E 9TH ST CLEVELAND, OH 44115 | OPTUM UNITED HEALTHCARE | — | $58K | $58K | 5.29% |
| OPTUM3 Filed as: OPTUM UNITED | 11000 OPTUM CIRCLE EDEN PRAIRIE, MN 55344 | OPTUM UNITED HEALTHCARE | — | $35K | $35K | 3.22% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 811 MADISON AVE TOLEDO, OH 43604 | OPTUM UNITED HEALTHCARE | $16K | — | $16K | 1.43% |
| MEDWATCH LLC3 | PO BOX 952679 LAKE MARY, FL 32795 | OPTUM UNITED HEALTHCARE | — | $15K | $15K | 1.38% |
| HYLANT GROUP INC3 | PO BOX 1687 TOLEDO, OH 436061687 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 10.84% |
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 43604 | HARTFORD LIFE & ACCIDENT | $2K | — | $2K | 15.00% |
| CENTRO BENEFITS RESEARCH LLC3 | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | HARTFORD LIFE & ACCIDENT | — | $708 | $708 | 5.00% |
| AVANT SPECIALTY BENEFITS LLC3 | 1828 WALNUT STREET SUITE 801 KANSAS CITY, MO 64108 | HARTFORD LIFE & ACCIDENT | — | $284 | $284 | 2.01% |
| HYLANT GROUP INC3 | 10401 NORTH MERIDIAN STE 200 CARMEL, IN 46290 | HARTFORD LIFE & ACCIDENT | $205 | — | $205 | 1.45% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENEFIT ASSISTANCE CORPORATION EIN 55-0715869 NONE | Plan Administrator Service code 14 | PO BOX 950 HURRICANE, WV 25526 | $116K |
| HYLANT GROUP INC EIN 34-1880366 NONE | Insurance agents and brokers Service code 22 | PO BOX 1687 TOLEDO, OH 43603 | $20K |
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 | 212 | 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) | 212 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OPTUM UNITED HEALTHCARE | 208 | $1.1M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 308 | $17K |
| Life insurance | HARTFORD LIFE & ACCIDENT | 212 | $14K |
| Short-term disability | HARTFORD LIFE & ACCIDENT | 212 | $14K |
| Stop-loss / reinsurancereinsurance | OPTUM UNITED HEALTHCARE | 208 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 308 | — |
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.
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.