| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MUTUAL HEALTH SERVICES5 | PO BOX 5700 CLEVELAND, OH 44101 | HCC LIFE INSURANCE COMPANY | — | $75K | $75K | 29.24% |
| HYLANT GROUP INC4 Filed as: HYLANT GROUP | 811 MADISON AVENUE TOLEDO, OH 43603 | HCC LIFE INSURANCE COMPANY | $33K | $0 | $33K | 12.94% |
| SAGAMORE HEALTHCARE STRATEGIES0 | 5746 MARLIN RD OSBORNE OFFICE CENTER, SUITE 500 CHATTANOOGA, TN 37411 | HCC LIFE INSURANCE COMPANY | — | $5K | $5K | 1.99% |
| MUTUAL HEALTH SERVICES5 | P.O. BOX 5700 CLEVELAND, OH 44101 | HCC LIFE INSURANCE COMPANY | $8 | $39K | $39K | 22.37% |
| GDP ADVISORS LLC4 | 2150 S CENTRAL EXPRESSWAY, SUITE 28 MCKINNEY, TX 75070 | HCC LIFE INSURANCE COMPANY | $0 | $17K | $17K | 9.48% |
| HYLANT GROUP INC4 Filed as: HYLANT GROUP | 811 MADISON AVENUE TOLEDO, OH 43603 | HCC LIFE INSURANCE COMPANY | $0 | $6K | $6K | 3.14% |
| SAGAMORE HEALTHCARE STRATEGIES0 | 5746 MARLIN RD OSBORNE OFFICE CENTER, SUITE 500 CHATTANOOGA, TN 37411 | HCC LIFE INSURANCE COMPANY | $0 | $117 | $117 | 0.07% |
| HYLANT GROUP INC3 | 8 CADILLAC DRIVE, SUITE 230 BRENTWOOD, TN 37027 | DELTA DENTAL OF OHIO | $858 | $0 | $858 | 1.82% |
| GDP ADVISORS LLC3 Filed as: GDP ADVISORS, LLC | 2150 S CENTRAL EXPWY MCKINNEY, TX 75070 | DELTA DENTAL OF OHIO | $792 | $0 | $792 | 1.68% |
| HYLANT GROUP INC3 | 811 MADISON AVE TOLDEDO, OH 43604 | LIFE INSURANCE CO OF NORTH AMERICA | $4K | $0 | $4K | 15.00% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP IN | 811 MADISON AVE TOLEDO, OH 43604 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 15.00% |
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 43604 | LIFE INSURANCE CO OF NORTH AMERICA | $2K | $0 | $2K | 15.00% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP INC. | 811 MADISON AVE TOLEDO, OH 43603 | NATIONAL GUARDIAN LIFE INSURANCE COMPANYY-SUPERIOR VISION | $1K | $0 | $1K | 10.00% |
| GDP ADVISORS LLC3 Filed as: GDP ADVISORS, LLC | 2150 S CENTRAL EXPRESSWAY, SUITE280 MCKINNEY, OH 75070 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY-SUPERIOR VISION PLAN | $743 | — | $743 | 10.00% |
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 | 120 | 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) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | HCC LIFE INSURANCE COMPANY | 123 | $433K |
| Dental | DELTA DENTAL OF OHIO | 171 | $47K |
| Vision(2 contracts, 2 carriers) | NATIONAL GUARDIAN LIFE INSURANCE COMPANYY-SUPERIOR VISION | 186 | $18K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 146 | $22K |
| Short-term disability | LIFE INSURANCE CO OF NORTH AMERICA | 95 | $28K |
| Long-term disability | LIFE INSURANCE CO OF NORTH AMERICA | 73 | $16K |
| Stop-loss / reinsurancereinsurance(2 contracts) | HCC LIFE INSURANCE COMPANY | 123 | $433K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 186 | — |
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.