| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HYLANT GROUP INC3 | 811 MADISON AVENUE TOLEDO, OH 43604 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $17K | — | $17K | 9.96% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 NORTH KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 4.53% |
| W C FELTON AGENCY INC3 | 51 SOUTH WASHINGTON STREET TIFFIN, OH 44883 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $187 | — | $187 | 0.11% |
| HYLANT GROUP INC3 | 811 MADISON AVENUE TOLEDO, OH 43604 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 6.38% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 NORTH KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 3.92% |
| W C FELTON AGENCY INC3 | 51 SOUTH WASHINGTON STREET TIFFIN, OH 44883 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $243 | — | $243 | 0.32% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 811 MADISON AVENUE TOLEDO, OH 43063 | VISION SERVICE PLAN | $2K | — | $2K | 3.38% |
| HYLANT GROUP INC3 | 811 MADISON AVENUE TOLEDO, OH 43604 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $837 | — | $837 | 9.94% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 NORTH KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $387 | — | $387 | 4.60% |
| W C FELTON AGENCY INC3 | 51 SOUTH WASHINGTON STREET TIFFIN, OH 44883 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $19 | — | $19 | 0.23% |
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 | 424 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 431 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 380 | $64K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 392 | $166K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 257 | $76K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 459 | $175K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 459 | — |
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.