| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUNTINGTON INSURANCE INC3 | 221 S CHURCH STREET BOWLING GREEN, OH 43402 | UNITED HEALTHCARE INSURANCE COMPANY | $792 | $70K | $71K | 1.95% |
| HYLANT GROUP INC3 | 811 MADISON AVENUE TOLEDO, OH 43604 | UNITED HEALTHCARE INSURANCE COMPANY | $4K | $14K | $18K | 0.49% |
| HYLANT GROUP INC3 | 811 MADISON AVENUE 8TH FLOOR TOLEDO, OH 43604 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $34K | $7K | $41K | 18.29% |
| HYLANT GROUP INC3 | 811 MADISON AVENUE TOLEDO, OH 43604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $8K | $22K | 11.24% |
| HYLANT GROUP INC3 | 811 MADISON AVENUE TOLEDO, OH 43604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $2K | $12K | 19.49% |
| HYLANT GROUP INC3 | 811 MADISON AVENUE 8TH FLOOR TOLEDO, OH 43604 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $0 | $6K | 10.00% |
| HYLANT GROUP INC3 | 811 MADISON AVENUE 8TH FLOOR TOLEDO, OH 43604 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $2K | $10K | 17.74% |
| HYLANT GROUP INC3 | 811 MADISON AVENUE 8TH FLOOR TOLEDO, OH 43604 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $1K | $4K | 9.72% |
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 | 474 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 474 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 32 | $3.6M |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 32 | $3.6M |
| Life insurance(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 474 | $356K |
| Long-term disability(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 474 | $418K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 474 | $357K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 474 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.