| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HYLANT GROUP INC3 Filed as: HYLANT GROUP INC. | 811 MADISON AVE ATTN ACCOUNTING TOLEDO, OH 43604 | ATENA LIFE INSURANCE CO. | $6K | — | $6K | 4.58% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP INC. | 201 DEPOT ST STE 100 ANN ARBOR, MI 48104 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $2K | $8K | 16.01% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP INC. | 201 DEPOT ST STE 100 ANN ARBOR, MI 48104 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $5K | 13.39% |
| HYLANT GROUP INC3 | 201 DEPOT ST STE 100 ANN ARBOR, MI 48104 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $758 | $3K | 13.39% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | PO BOX 1687 TOLEDO, OH 436061687 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 9.92% |
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 | 217 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 221 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | ATENA LIFE INSURANCE CO. | 348 | $122K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 135 | $19K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 218 | $22K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 86 | $49K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 80 | $40K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 218 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 348 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.