| 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 | $8K | $1K | $10K | 25.54% |
| HYLANT GROUP INC3 | 8 CADILLAC DRIVE SUITE 230 BRENTWOOD, TN 37027 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $329 | — | $329 | 5.01% |
| PARAMOUNT BENEFITS AGENCY INC3 | 1901 INDIAN WOOD CIRCLE MAUMEE, OH 43537 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $131 | — | $131 | 1.99% |
| THE MCCLAIN GROUP LLC3 | 526 SCAIFE ROAD SEWICKLEY, PA 15143 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $128 | — | $128 | 2.68% |
| WILLIAM J MARKS3 Filed as: WILLIAM J. MARKS | P.O. BOX 882 MCMURRAY, PA 15317 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $29 | — | $29 | 0.61% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 811 MADISON AVENUE TOLEDO, OH 43624 | MEDICAL MUTUAL OF OHIO | $34K | $4 | $34K | — |
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 | 122 | 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) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BERKLEY LIFE & HEALTH INSURANCE COMPANY | 117 | $274K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 143 | $37K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 135 | $7K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 143 | $42K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 143 | $37K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 143 | $37K |
| Prescription drug | MEDICAL MUTUAL OF OHIO | 117 | $0 |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 143 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 143 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.