| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HYLANT GROUP INC3 Filed as: HYLANT GROUP INC. | 811 MADISON AVE TOLEDO, OH 43604 | MEDICAL MUTUAL | $64K | $32K | $96K | 3.67% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP INC - JEFFREY BARNESKY | 8 CADILLAC DR STE 230 BRENTWOOD, TN 37027 | DELTA DENTAL OF OHIO | $6K | $393 | $6K | 4.55% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP INC. | 811 MADISON AVE TOLEDO, OH 43604 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $15K | — | $15K | 15.00% |
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 436045684 | AMERITAS LIFE INSURANCE CORP | $2K | $155 | $2K | 6.84% |
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 | 316 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 316 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL | 199 | $2.6M |
| Dental | DELTA DENTAL OF OHIO | 372 | $132K |
| Vision | AMERITAS LIFE INSURANCE CORP | 316 | $29K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 199 | $102K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 199 | $102K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 199 | $102K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 372 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.