| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT ASSISTANCE CORPORATION5 | PO BOX 950 HURRICANE, WV 25526 | OPTUM UNITED HEALTHCARE | — | $63K | $63K | 16.07% |
| MEDICAL MUTUAL3 | 2060 E 9TH ST CLEVELAND, OH 44115 | OPTUM UNITED HEALTHCARE | — | $33K | $33K | 8.49% |
| MEDWATCH LLC3 | PO BOX 952679 LAKE MARY, FL 32795 | OPTUM UNITED HEALTHCARE | — | $9K | $9K | 2.27% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 811 MADISON AVE TOLEDO, OH 43604 | OPTUM UNITED HEALTHCARE | $8K | — | $8K | 1.98% |
| METAVANTE3 | PO BOX 7236 SIOUX FALLS, SD 571177236 | OPTUM UNITED HEALTHCARE | — | $308 | $308 | 0.08% |
| HYLANT GROUP INC3 | PO BOX 1687 TOLEDO, OH 436061687 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $4K | — | $4K | 20.45% |
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 43603 | HARTFORD LIFE & ACCIDENT | $1K | — | $1K | 16.20% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENEFIT ASSISTANCE CORPORATION EIN 55-0715869 NONE | Plan Administrator Service code 14 | PO BOX 950 HURRICANE, WV 25526 | $63K |
| HYLANT GROUP INC EIN 34-1880366 NONE | Insurance agents and brokers Service code 22 | PO BOX 1687 TOLEDO, OH 43603 | $13K |
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 | 227 | 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) | 227 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OPTUM UNITED HEALTHCARE | 183 | $389K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 350 | $18K |
| Life insurance | HARTFORD LIFE & ACCIDENT | 227 | $9K |
| Short-term disability | HARTFORD LIFE & ACCIDENT | 227 | $9K |
| Stop-loss / reinsurancereinsurance | OPTUM UNITED HEALTHCARE | 183 | $389K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 350 | — |
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.