| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HYLANT GROUP INC3 | 10401 NORTH MERIDIAN SUITE 200 CARMEL, IN 46290 | HARTFORD LIFE AND ACCIDENT | $149K | — | $149K | 8.72% |
| HYLANT GROUP INC3 | 811 MADISON AVENUE TOLEDO, OH 43604 | HARTFORD LIFE AND ACCIDENT | — | $15K | $15K | 0.90% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | — | COMBINED INSURANCE COMPANY | $9K | — | $9K | 5.34% |
| PLATINUM ENROLLMENT SOLUTIONS3 | — | COMBINED INSURANCE COMPANY | $9K | — | $9K | 5.02% |
| BENEFITS ALL IN LLC3 | — | COMBINED INSURANCE COMPANY | $5K | — | $5K | 2.99% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 811 MADISON AVENUE TOLEDO, OH 43603 | VISION SERVICE PLAN | $3K | — | $3K | 2.05% |
| HYLANT GROUP INC3 | 811 MADISON AVENUE TOLEDO, OH 43604 | METROPOLITAN LIFE INSURANCE COMPANY | — | $27 | $27 | — |
| HYLANT GROUP INC3 | 811 MADISON AVENUE TOLEDO, OH 43604 | METROPOLITAN LIFE INSURANCE COMPANY | — | $27 | $27 | — |
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 | 920 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 925 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 798 | $170K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,111 | $1.9M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,111 | $1.7M |
| Stop-loss / reinsurancereinsurance | BERKSHIRE HATHAWAY SPECIALTY INSURANCE COMPANY | 889 | $1.4M |
| Other(5 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 1,111 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,111 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.