| 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 | $65K | $11K | $75K | 1.36% |
| HYLANT GROUP INC3 | 811 MADISON AVE 8TH FLOOR TOLEDO, OH 43604 | AMERICAN UNITED LIFE INSURANCE COMPANY | $38K | — | $38K | 13.66% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | PO BOX 1687 TOLEDO, OH 43606 | AMERITAS LIFE INSURANCE GROUP | $2K | $109 | $2K | 10.54% |
| ASHLEY INSURANCE GROUP3 | 165 JACKSON STREET SANDUSKY, OH 44870 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $844 | — | $844 | 14.95% |
| CARDINAL BROKERAGE INSURANCE AGENCY3 | 7033 U.S. ROUTE 23 PIKETON, OH 45661 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | — | $8 | $8 | 0.14% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 2401 W BIG BEAVER ST 400 TROY, MI 48084 | FEDERAL INSURANCE COMPANY | $1K | — | $1K | 20.10% |
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 | 288 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 288 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL OF OHIO | 276 | $5.5M |
| Dental | AMERITAS LIFE INSURANCE GROUP | 288 | $20K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 263 | $6K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 273 | $279K |
| Other(3 contracts, 3 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 273 | $290K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 288 | — |
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.