| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WELLINGTON F ROEMER INSURANCE INC.3 Filed as: WELLINGTON ROEMER INS AGENCY | 3912 SUNFOREST CT/PO BOX 8730 TOLEDO, OH 43623 | MEDICAL MUTUAL OF OHIO | $50K | $118 | $50K | 1.35% |
| ASHLEY INSURANCE GROUP3 | 1645 INDIAN WOOD CIRCLE MAUMEE, OH 43537 | MEDICAL MUTUAL OF OHIO | $5K | $422 | $6K | 0.15% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 811 MADISON AVE TOLEDO, OH 43624 | MEDICAL MUTUAL OF OHIO | $5K | $3 | $5K | 0.14% |
| HYLANT GROUP INC3 | 811 MADISON AVE 8TH FL TOLEDO, OH 43604 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $3K | $11K | 13.29% |
| HYLANT GROUP INC3 | 811 MADISON AVE 8TH FL TOLEDO, OH 43604 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $3K | $11K | 13.40% |
| HYLANT GROUP INC3 | 811 MADISON AVE 8TH FL TOLEDO, OH 43604 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $2K | $8K | 13.38% |
| HYLANT GROUP INC3 | PO BOX 1687 TOLEDO, OH 43603 | AMERITAS LIFE INSURANCE CORP. | $2K | $92 | $2K | 10.50% |
| WELLINGTON F ROEMER INSURANCE INC.3 Filed as: WELLINGTON ROEMER INS AGENCY | 3912 SUNFOREST COURT TOLEDO, OH 43623 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $751 | — | $751 | 13.67% |
| CARDINAL BROKERAGE INSURANCE AGENCY3 Filed as: CARDINAL BROKERAGE INSURANCE AGCY I | 7033 US ROUTE 23 PIKETON, OH 45661 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $82 | — | $82 | 1.49% |
| ASHLEY INSURANCE GROUP3 Filed as: ASHLEY INSURANCE GROUP LTD | 1645 INDIAN WOOD CIR STE 2013 MAUMEE, OH 43537 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $72 | — | $72 | 1.31% |
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 43604 | FEDERAL INSURANCE COMPANY | $1K | — | $1K | 20.00% |
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 | 256 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 256 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL OF OHIO | 259 | $3.7M |
| Dental | AMERITAS LIFE INSURANCE CORP. | 256 | $18K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 263 | $5K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 255 | $61K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 255 | $83K |
| Other(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 263 | $94K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 263 | — |
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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.