| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 811 NADISON AVE TOLEDO, OH 43604 | COMMUNITY INSURANCE DBA ANTHEM BLUE CROSS BLUE SHIELD | $38K | $0 | $38K | 8.22% |
| TDC COMPANIES INC.3 | 1440 ARROWHEAD DRIVE MAUMEE, OH 43537 | COMMUNITY INSURANCE DBA ANTHEM BLUE CROSS BLUE SHIELD | $7K | $0 | $7K | 1.58% |
| HYLANT GROUP INC3 | 8 CADILLAC DRIVE SUITE 230 BRENTWOOD, TN 37027 | GUARDIAN LIFE INSURANCE COMPANY | $30K | $0 | $30K | 12.86% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 8 CADILLAC DRIVE SUITE 230 BRENTWOOD, TN 37027 | GUARDIAN LIFE INSURANCE COMPANY | — | $8K | $8K | 3.67% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | P.O. BOX 1687 TOLEDO, OH 436031687 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $0 | $9K | 14.01% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | P.O. BOX 1687 TOLEDO, OH 436031687 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $3K | $3K | 5.49% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | P.O. BOX 1687 TOLEDO, OH 436031687 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $41 | $41 | 0.07% |
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 | 654 | 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) | 654 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 425 | $230K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY | 425 | $230K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY | 425 | $230K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY | 425 | $230K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 202 | $61K |
| Stop-loss / reinsurancereinsurance | COMMUNITY INSURANCE DBA ANTHEM BLUE CROSS BLUE SHIELD | 654 | $458K |
| Other | GUARDIAN LIFE INSURANCE COMPANY | 425 | $230K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 654 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.