| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HYLANT GROUP INC3 | 6714 POINTE INVERNESS WAY STE 100 FORT WAYNE, IN 46804 | COMMUNITY INSURANCE COMPANY | $63K | $10K | $73K | 3.71% |
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 43604 | DELTA DENTAL OF OHIO | $7K | $0 | $7K | 4.98% |
| HYLANT GROUP INC3 | 6714 POINTE INVERNESS WAY STE 100 FORT WAYNE, IN 43604 | ANTHEM LIFE INSURANCE COMPANY | $4K | $549 | $4K | 15.79% |
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 | 544 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 544 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 483 | $2.0M |
| Dental | DELTA DENTAL OF OHIO | 481 | $135K |
| Vision | COMMUNITY INSURANCE COMPANY | 483 | $2.0M |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 544 | $27K |
| Prescription drug | COMMUNITY INSURANCE COMPANY | 483 | $2.0M |
| Other | ANTHEM LIFE INSURANCE COMPANY | 544 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 544 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.