| 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 | $68K | $13K | $81K | 1.33% |
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 43604 | METROPOLITAN LIFE | $24K | $76 | $25K | 9.16% |
| AVANT SPECIALTY BENEFITS LLC3 | 1828 WALNUT STREET KANSAS CITY, MO 64108 | METROPOLITAN LIFE | $5K | $30 | $5K | 1.84% |
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 43604 | AMERITAS LIFE INSURANCE GROUP | $2K | — | $2K | 10.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | DEARBORN LIFE INSURANCE COMPANY | $910 | — | $910 | 14.73% |
| CARDINAL BROKERAGE INSURANCE AGENCY3 Filed as: CARDINAL BROCKERAGE INSURANCE AGCY | 7033 US ROUTE 23 PIKETON, OH 45661 | DEARBORN LIFE INSURANCE COMPANY | — | $91 | $91 | 1.47% |
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 | 300 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 300 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL OF OHIO | 292 | $6.1M |
| Dental | AMERITAS LIFE INSURANCE GROUP | 300 | $20K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE | 290 | $274K |
| Short-term disability | METROPOLITAN LIFE | 287 | $268K |
| Long-term disability | METROPOLITAN LIFE | 287 | $268K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE | 290 | $274K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 300 | — |
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.