| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HYLANT GROUP INC3 | 6714 POINTE INVERNESS WAY STE 100 FORT WAYNE, IN 46804 | COMMUNITY INSURANCE COMPANY | $13K | — | $13K | 2.05% |
| HYLANT GROUP INC3 | PO BOX 1687 TOLEDO, OH 43603 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | — | $1K | 0.26% |
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 43604 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $14K | $2K | $16K | 11.06% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD, STE 300 KIRKWOOD, MO 63122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $4K | $7K | 5.00% |
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 43604 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $2K | $7K | 8.31% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD, STE 300 KIRKWOOD, MO 63122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $2K | $3K | 4.15% |
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 43603 | VISION SERVICE PLAN | $2K | — | $2K | 3.75% |
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 43604 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $135 | $2K | 10.89% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD, STE 300 KIRKWOOD, MO 63122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $332 | $424 | $756 | 5.00% |
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 | 413 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 424 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | COMMUNITY INSURANCE COMPANY | 125 | $1.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 417 | $504K |
| Vision | VISION SERVICE PLAN | 268 | $50K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 330 | $142K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 330 | $4K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 330 | $83K |
| Prescription drug | HIGHMARK WESTERN AND NORTHEASTERN NEW YORK INC. | 48 | $353K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 417 | $504K |
| Other(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 417 | $519K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 417 | — |
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.