| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 811 MADISON AVE TOLEDO, OH 43604 | MEDICAL MUTUAL OF OHIO | $75K | $13K | $88K | 0.74% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 811 MADISON AVE TOLEDO, OH 43604 | METROPOLITAN LIFE INSURANCE COMPANY | $31K | $6K | $37K | 10.85% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH | 325 N KIRKWOOD RD STE 300 KIRKWOOD, OH 63122 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $3K | $13K | 3.76% |
| AVANT SPECIALTY BENEFITS LLC3 | 1828 WALNUT STREET KANSAS CITY, MO 64108 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $220 | $6K | 1.90% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 811 MADISON AVE TOLEDO, OH 43604 | AMERITAS LIFE INSURANCE GROUP | $2K | $273 | $2K | 11.24% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | DEARBORN LIFE INSURANCE COMPANY | $989 | $447 | $1K | 21.78% |
| CARDINAL BROKERAGE INSURANCE AGENCY3 Filed as: CARDINAL BROKERAGE INSURANCE | 7033 US HIGHWAY 23 PO BOX 416 PIKETON, OH 45661 | DEARBORN LIFE INSURANCE COMPANY | — | $99 | $99 | 1.50% |
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 | 330 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 330 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL OF OHIO | 321 | $11.9M |
| Dental | AMERITAS LIFE INSURANCE GROUP | 330 | $22K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 319 | $345K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 319 | $338K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 319 | $338K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 319 | $345K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 330 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.