| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 811 MADISON AVE TOLEDO, OH 43604 | COMMUNITY INSURANCE DBA ANTHEM BLUE CROSS BLUE SHIELD | $39K | $0 | $39K | 10.85% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 6714 POINTE INVERNESS WAY ATE 100 FORT WAYNE, IN 46804 | COMMUNITY INSURANCE DBA ANTHEM BLUE CROSS BLUE SHIELD | $0 | $4K | $4K | 1.08% |
| HYLANT GROUP INC3 | 8 CADILLAC DRIVE SUITE 230 BRENTWOOD, TN 37027 | GUARDIAN LIFE INSURANCE COMPANY | $30K | $0 | $30K | 13.69% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 8 CADILLAC DRIVE SUITE 230 BRENTWOOD, TN 37027 | GUARDIAN LIFE INSURANCE COMPANY | $0 | $10K | $10K | 4.48% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 811 MADISON AVE. TOLEDO, OH 436045684 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $0 | $9K | 15.43% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 811 MADISON AVE. TOLEDO, OH 436045684 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $526 | $526 | 0.86% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 811 MADISON AVE TOLEDO, OH 436045684 | METROPOLITAN LIFE INSURANCE COMPANY | — | $88 | $88 | 0.14% |
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 | 542 | 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) | 542 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 318 | $222K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY | 318 | $222K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY | 318 | $222K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY | 318 | $222K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 140 | $61K |
| Stop-loss / reinsurancereinsurance | COMMUNITY INSURANCE DBA ANTHEM BLUE CROSS BLUE SHIELD | 282 | $361K |
| Other | GUARDIAN LIFE INSURANCE COMPANY | 318 | $222K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 318 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.