| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HYLANT GROUP INC3 | 811 MADISON AVENUE TOLEDO, OH 43604 | MEDICAL MUTUAL OF OHIO | $99K | $9K | $108K | 6.60% |
| HYLANT GROUP INC3 | 811 MADISON AVENUE TOLEDO, OH 43604 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $72K | $11K | $83K | 18.59% |
| CENTRO BENEFITS RESEARCH LLC3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $16K | — | $16K | 3.68% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFIT LLC | 1828 WALNUT STREET SUITE 800 KANSAS CITY, MA 64108 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 0.45% |
| HYLANT GROUP INC3 | 811 MADISON AVENUE TOLEDO, OH 43604 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 9.44% |
| HYLANT GROUP INC3 Filed as: HYLAND GROUP INC | 811 MADISON AVE TOLEDO, OH 43604 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 8.86% |
| DAVID NELSON MULLINS3 | 1437 ROYALTON RD TOLEDO, OH 43612 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 6.81% |
| MARK A TOPOLSKI3 Filed as: MARK ANDREW TOPOLSKI | 5045 SAN LUIS REY DR SYLVANIA, OH 435602813 | CONTINENTAL AMERICAN INSURANCE COMPANY | $343 | — | $343 | 0.91% |
| KEITH SILVERNAIL3 Filed as: KEITH C SILVERNAIL | 5149 ARBOR WAY SYLVANIA, OH 43560 | CONTINENTAL AMERICAN INSURANCE COMPANY | $238 | — | $238 | 0.63% |
| CHAD A POLLOCK3 Filed as: CHAD ANTHONY POLLOCK | 1106 LINDEN DR VAN WERT, OH 458912659 | CONTINENTAL AMERICAN INSURANCE COMPANY | $207 | — | $207 | 0.55% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: NANCY MICHELLE BROWN | 4860 OLDE MEADOW LN SYLVANIA, OH 43560 | CONTINENTAL AMERICAN INSURANCE COMPANY | $200 | — | $200 | 0.53% |
| TJH CONSULTANTS LLC3 | 25144 ROCKY HARBOUR DR PERRYSBURG, OH 43551 | CONTINENTAL AMERICAN INSURANCE COMPANY | $170 | — | $170 | 0.45% |
| BRIAN JOSEPH DAY3 | 2150 ASSOCIATION DR SUITE 150 OKEMOS, MI 48864 | CONTINENTAL AMERICAN INSURANCE COMPANY | $103 | — | $103 | 0.27% |
| STRUCTERED BENEFITS LLC3 | 5217 MONROE ST SUITE B2-2 TOLEDO, OH 43623 | CONTINENTAL AMERICAN INSURANCE COMPANY | $99 | — | $99 | 0.26% |
| AARON ANSPACH LLC3 Filed as: AARON ANSPACH, LLC | 825 W MARKET ST SUITE 201 LIME, OH 45805 | CONTINENTAL AMERICAN INSURANCE COMPANY | $74 | — | $74 | 0.20% |
| IAN B BRANYON3 Filed as: IAN BYRD BRANYON | 2301 LUCIEN WAY SUITE 150 MAITLAND, FL 32751 | CONTINENTAL AMERICAN INSURANCE COMPANY | $18 | — | $18 | 0.05% |
| ANTHONY JOSEPH MOTTER3 | 2268 MCKINLEY DR PERRYSBURG, OH 435511181 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | — | $9 | 0.02% |
| INGER M PENNINGTON3 | 1369 BERKSHIRE DR MILFORD, OH 45150 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.02% |
| SHAWN MARTIN MCDERMOTT3 | 8744 UNION CENTRE BLVD WEST CHESTER, OH 45069 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.02% |
| THOMAS J HOUSER3 Filed as: THOMAS JOSEPH HOUSER | 25144 ROCKY HARBOUR DR PERRYSBURG, OH 43551 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.02% |
| WILLIAM M HURLEY3 Filed as: WILLIAM H C ROBERTS | 3749 SACHEM AVE CINCINNATI, OH 452261755 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| AMY HILT3 Filed as: AMY JO HILT | 1535 COUNTYR ROAD 14 GIBSONBURG, OH 43431 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$7 | — | -$7 | -0.02% |
| RUBLE & ASSOCIATES LLC3 | 3769 PROSPECT RD NEW LONDON, OH 44851 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$12 | — | -$12 | -0.03% |
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 | 603 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 619 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL OF OHIO | 534 | $1.6M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 620 | $447K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,071 | $63K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 620 | $447K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 620 | $447K |
| Stop-loss / reinsurancereinsurance | MEDICAL MUTUAL OF OHIO | 534 | $1.6M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 620 | $485K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,071 | — |
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.