| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HYLANT GROUP INC | 811 MADISON AVENUE TOLEDO, OH 43604 | AETNA LIFE INSURANCE CO | $76K | — | $76K | 2.12% |
| MICHAEL D LABARBERA Filed as: MICHAEL ADCOCK | 313 W FLETCHER AVENUE TAMPA, FL 33612 | AETNA LIFE INSURANCE CO | $22K | — | $22K | 0.62% |
| HYLANT GROUP INC | 811 MADISON AVENUE TOLEDO, OH 43604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | $9K | $25K | 7.23% |
| HYLANT GROUP INC | 811 MADISON AVENUE TOLEDO, OH 43604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $19K | $13K | $32K | 9.69% |
| HYLANT GROUP INC | 811 MADISON AVENUE TOLEDO, OH 43604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $3K | $10K | 7.70% |
| HYLANT GROUP INC | 811 MADISON AVENUE TOLEDO, OH 43604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17K | $3K | $20K | 18.62% |
| HYLANT GROUP INC | 811 MADISON AVENUE TOLEDO, OH 43604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17K | $4K | $21K | 20.28% |
| HYLANT GROUP INC | 811 MADISON AVENUE TOLEDO, OH 43604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $2K | $7K | 7.26% |
| HYLANT GROUP INC | 811 MADISON AVENUE TOLEDO, OH 43604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $1K | $4K | 6.64% |
| HYLANT GROUP INC | 811 MADISON AVENUE TOLEDO, OH 43604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $1K | $4K | 6.80% |
| HYLANT GROUP INC | 811 MADISON AVENUE TOLEDO, OH 43604 | UNUM LIFE INSURANCE COMPNAY OF AMERICA | $6K | $979 | $7K | 18.38% |
| HYLANT GROUP INC | 811 MADISON AVENUE TOLEDO, OH 43604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $639 | $4K | 18.66% |
| HYLANT GROUP INC | 811 MADISON AVENUE TOLEDO, OH 43604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $554 | $4K | 18.85% |
| HYLANT GROUP INC | 811 MADISON AVENUE TOLEDO, OH 43604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $549 | $4K | 18.83% |
| HYLANT GROUP INC | 811 MADISON AVENUE TOLEDO, OH 43604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $626 | $385 | $1K | 6.97% |
| HYLANT GROUP INC | 811 MADISON AVENUE TOLEDO, OH 43604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $986 | $161 | $1K | 18.73% |
| HYLANT GROUP INC | 811 MADISON AVENUE TOLEDO, OH 43604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $151 | $18 | $169 | 16.75% |
| HYLANT GROUP INC | 811 MADISON AVENUE TOLEDO, OH 43604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $24 | $12 | $36 | 5.07% |
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 | 584 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 584 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO | 584 | $3.6M |
| Dental | AETNA LIFE INSURANCE CO | 584 | $3.6M |
| Life insurance(16 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 484 | $1.3M |
| Long-term disability(8 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 484 | $1.0M |
| Other(16 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 484 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 584 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.