| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | — | BARDON INSURANCE GROUP, INC. | — | $35K | $35K | 12.33% |
| UIS INSURANCE SERVICES LLC3 Filed as: UIS INSURANCE COMPANY | — | BARDON INSURANCE GROUP, INC. | — | $6K | $6K | 1.94% |
| W C FELTON AGENCY INC3 | 51 SOUTH WASHINGTON STREET TIFFIN, OH 44883 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $23K | — | $23K | 10.80% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 811 MADISON AVENUE TOLEDO, OH 43604 | VISION SERVICE PLAN | $1K | — | $1K | 2.22% |
| W C FELTON AGENCY INC3 | 51 SOUTH WASHINGTON STREET TIFFIN, OH 44883 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 10.74% |
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 | 437 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 447 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 386 | $67K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 399 | $212K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 255 | $119K |
| Stop-loss / reinsurancereinsurance | BARDON INSURANCE GROUP, INC. | 436 | $284K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 399 | $226K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 436 | — |
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.