| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 436045684 | METROPOLITAN LIFE INSURANCE COMPANY | $272K | $39K | $311K | 7.04% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 631224042 | METROPOLITAN LIFE INSURANCE COMPANY | $110K | $37K | $147K | 3.31% |
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 436045684 | METROPOLITAN LIFE INSURANCE COMPANY | $33K | $1K | $34K | 20.05% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 631224042 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $1K | $6K | 3.30% |
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 436045684 | METROPOLITAN LIFE INSURANCE COMPANY | $27K | $1K | $29K | 20.22% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 631224042 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $1K | $5K | 3.32% |
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 436045684 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $388 | $8K | 20.38% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 631224042 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $352 | $1K | 3.31% |
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 436045684 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $410 | $9K | 20.81% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 631224042 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $349 | $1K | 3.34% |
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 436045684 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $648 | — | $648 | 10.00% |
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 | 4,336 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 90 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,441 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 645 | $82K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 7,136 | $4.4M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 7,136 | $4.4M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 7,136 | $4.4M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 7,136 | $4.4M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 7,136 | $4.4M |
| Stop-loss / reinsurancereinsurance | COMMUNITY INSURANCE COMPANY | 6,292 | $2.4M |
| Other(6 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 7,136 | $4.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,136 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.