| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HYLANT GROUP INC3 | PO BOX 1687 TOLEDO, OH 436031687 | HARTFORD LIFE AND ACCIDENT | $12K | $2K | $14K | 8.66% |
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 43603 | VISION SERVICE PLAN | $2K | — | $2K | 3.33% |
| HYLANT GROUP INC3 | PO BOX 1687 TOLEDO, OH 43603 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | — | $2K | 5.05% |
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 43604 | HARTFORD LIFE AND ACCIDENT | $2K | $109 | $2K | 15.89% |
| HYLANT GROUP INC3 | PO BOX 1687 TOLEDO, OH 436031687 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $225 | — | $225 | 10.00% |
| HYLANT GROUP INC3 | 6000 FREEDOM SQUARE DR SUITE 400 INDEPENDENCE, OH 44131 | HARTFORD LIFE AND ACCIDENT | $226 | — | $226 | 15.01% |
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 | 482 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 21 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 503 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | 64 | $481K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 171 | $37K |
| Vision | VISION SERVICE PLAN | 403 | $61K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 482 | $158K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 482 | $124K |
| Prescription drug(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | 64 | $481K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 351 | $422K |
| Other(5 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 482 | $211K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 482 | — |
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.