| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 8 CADILLAC DRIVE SUITE 230 BRENTWOOD, TN 37027 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 15.80% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 8 CADILLAC DRIVE SUITE 230 BRENTWOOD, TN 37027 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $4K | $4K | 10.53% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 8 CADILLAC DRIVE SUITE 230 BRENTWOOD, TN 37027 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 7.02% |
| PARAMOUNT BENEFITS AGENCY INC3 Filed as: PARAMOUNT BENEFITS AGENCY INC. | 1901 INDIAN WOOD CIRCLE MAUMEE, OH 43537 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $435 | — | $435 | 3.51% |
| THE MCCLAIN GROUP LLC3 | P.O. BOX 882 CANONSBURG, PA 15317 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $495 | — | $495 | 4.32% |
| WILLIAM J MARKS3 Filed as: WILLIAM J. MARKS | P.O. BOX 882 MCMURRAY, PA 15317 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $120 | — | $120 | 1.05% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 811 MADISON AVENUE TOLEDO, OH 43624 | MEDICAL MUTUAL OF OHIO | $35K | — | $35K | — |
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 | 152 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BERKLEY LIFE & HEALTH INSURANCE COMPANY | 120 | $246K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 136 | $35K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 128 | $12K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 136 | $47K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 136 | $35K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 136 | $35K |
| Prescription drug | MEDICAL MUTUAL OF OHIO | 120 | $0 |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 136 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 136 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.