| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MUTUAL HEALTH SERVICES5 | PO BOX 5700 CLEVELAND, OH 44101 | HCC LIFE INSURANCE COMPANY | — | $58K | $58K | 22.40% |
| GDP ADVISORS LLC4 | 2150 S CENTRAL EXPRESSWAY, SUITE280 MCKINNEY, TX 75070 | HCC LIFE INSURANCE COMPANY | $13K | $32K | $45K | 17.63% |
| SAGAMORE HEALTHCARE STRATEGIES0 | 5746 MARLIN RD OSBORNE OFFICE CENTER, SUITE 500 CHATTANOOGA, TN 37411 | HCC LIFE INSURANCE COMPANY | $0 | $147 | $147 | 0.06% |
| GDP ADVISORS LLC3 Filed as: GDP ADVISORS, LLC | 2150 S CENTRAL EXPWY MCKINNEY, TX 75070 | DELTA DENTAL OF OHIO | $5K | $0 | $5K | 9.78% |
| GDP ADVISORS LLC3 | 2150 S CENTRAL EXPY SUITE 280 MCKINNEY, TX 75070 | LIFE INSURANCE CO OF NORTH AMERICA | $3K | $0 | $3K | 11.17% |
| HYLANT GROUP INC3 | 811 MADISON AVE TOLDEDO, OH 43604 | LIFE INSURANCE CO OF NORTH AMERICA | $1K | $2K | $3K | 9.01% |
| GDP ADVISORS LLC3 | 2150 S CENTRAL EXPY SUITE 280 MCKINNEY, TX 75070 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 11.29% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP IN | 811 MADISON AVE TOLEDO, OH 43604 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $964 | $1K | $2K | 8.26% |
| GDP ADVISORS LLC3 | 2150 S CENTRAL EXPY SUITE 280 MCKINNEY, TX 75070 | LIFE INSURANCE CO OF NORTH AMERICA | $2K | $0 | $2K | 11.18% |
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 43604 | LIFE INSURANCE CO OF NORTH AMERICA | $632 | $921 | $2K | 9.38% |
| GDP ADVISORS LLC3 | 2150 S CENTRAL EXPY SUITE 280 MCKINNEY, TX 75070 | NATIONAL GUARDIAN LIFE INSURANCE COMPANYY-SUPERIOR VISION | $1K | $0 | $1K | 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 | 190 | 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) | 190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HCC LIFE INSURANCE COMPANY | 131 | $257K |
| Dental | DELTA DENTAL OF OHIO | 187 | $46K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANYY-SUPERIOR VISION | 190 | $10K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 88 | $26K |
| Short-term disability | LIFE INSURANCE CO OF NORTH AMERICA | 90 | $30K |
| Long-term disability | LIFE INSURANCE CO OF NORTH AMERICA | 70 | $17K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 131 | $257K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 190 | — |
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.