| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MUTUAL HEALTH SERVICES5 | PO BOX 5700 CLEVELAND, OH 44101 | MEDICAL EXCESS/OPTUM | — | $55K | $55K | 15.36% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 811 MADISON AVE TOLEDO, OH 43604 | MEDICAL EXCESS/OPTUM | $41K | $6K | $47K | 13.25% |
| BENEFIT ASSISTANCE CORPORATION5 | PO BOX 950 HURRICANE, WV 25526 | MEDICAL EXCESS/OPTUM | — | $24K | $24K | 6.86% |
| MEDICAL MUTUAL3 | 2060 E 9TH ST CLEVELAND, OH 44115 | MEDICAL EXCESS/OPTUM | — | $12K | $12K | 3.48% |
| MEDWATCH LLC3 | PO BOX 952679 LAKE MARY, FL 32795 | MEDICAL EXCESS/OPTUM | — | $2K | $2K | 0.50% |
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 43603 | HARTFORD LIFE & ACCIDENT | $2K | $151 | $2K | 16.33% |
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 43604 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $2K | — | $2K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MUTUAL HEALTH SERVICES EIN 34-0648820 NONE | Plan Administrator Service code 14 | PO BOX 5700 CLEVELAND, OH 44101 | $55K |
| HYLANT GROUP INC EIN 34-1456671 NONE | Insurance agents and brokers Service code 22 | PO BOX 1687 TOLEDO, OH 43603 | $51K |
| BENEFIT ASSISTANCE CORPORATION EIN 55-0715869 NONE | Plan Administrator Service code 14 | PO BOX 950 HURRICANE, WV 25526 | $24K |
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 | 247 | 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) | 247 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL EXCESS/OPTUM | 200 | $355K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 202 | $0 |
| Life insurance | HARTFORD LIFE & ACCIDENT | 247 | $11K |
| Short-term disability | HARTFORD LIFE & ACCIDENT | 247 | $11K |
| Stop-loss / reinsurancereinsurance | MEDICAL EXCESS/OPTUM | 200 | $355K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 247 | — |
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.