| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 811 MADISON AVE TOLEDO, OH 43604 | ARDELLIS INSURANCE LTD | $99K | — | $99K | 13.66% |
| MEDICAL MUTUAL OF OHIO0 | 2060 E. 9TH STREET CLEVELAND, OH 44115 | ARDELLIS INSURANCE LTD | — | $38K | $38K | 5.21% |
| MEDWATCH LLC0 | PO BOX 952679 LAKE MARY, FL 32795 | ARDELLIS INSURANCE LTD | — | $10K | $10K | 1.36% |
| BEST DOCTORS0 | 100 FEDERAL STREET 21ST FLOOR BOSTON, MA 02110 | ARDELLIS INSURANCE LTD | — | $4K | $4K | 0.57% |
| SAGAMORE HEALTH NETWORK0 | 11595 N. MERIDIAN STREET SUITE 600 CARMEL, IN 46032 | ARDELLIS INSURANCE LTD | — | $2K | $2K | 0.25% |
| MEDAI DATA MINING0 | 4901 VINELAND ROAD ORLANDO, FL 32811 | ARDELLIS INSURANCE LTD | — | $1K | $1K | 0.19% |
| COFINITY0 | 28588 NORTHWESTERN HWY SUITE 380 SOUTHFIELD, MI 48034 | ARDELLIS INSURANCE LTD | — | $310 | $310 | 0.04% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 811 MADISON AVE TOLEDO, OH 43604 | DELTA DENTAL | $12K | $548 | $13K | 10.44% |
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 43604 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $0 | $5K | 13.00% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC | PO BOX 1687 TOLEDO, OH 436061687 | EYEMED | $2K | — | $2K | 9.95% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | PO BOX 1687 TOLEDO, OH 43603 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 13.00% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC | 811 MADISON AVE TOLEDO, OH 43604 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $649 | $0 | $649 | 13.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENEFIT ASSISTANCE CORPORATION EIN 55-0715869 CONTRACT ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | PO BOX 950 HURRICANE, WV 14228 | $86K |
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 | 230 | 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) | 230 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL | 354 | $125K |
| Vision | EYEMED | 510 | $23K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 33 | $42K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 33 | $12K |
| Stop-loss / reinsurancereinsurance(2 contracts) | ARDELLIS INSURANCE LTD | 230 | $1.4M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 33 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 510 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.