| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | — | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | $12K | — | $12K | 5.00% |
| FIRST INSURANCE GROUP LLC3 Filed as: FIRST INSURANCE GROUP | 220 PERRY ST STE 200 FOSTORIA, OH 44830 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $3K | $11K | 25.92% |
| CORPORATE ONE BENEFITS3 | PO BOX 906 STE 200 FOSTORIA, OH 44830 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 10.00% |
| CORPORATE ONE BENEFITS3 | PO BOX 906 STE 200 FOSTORIA, OH 44830 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 13.11% |
| CORPORATE ONE BENEFITS3 | PO BOX 906 STE 200 FOSTORIA, OH 44830 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $553 | — | $553 | 10.00% |
| CORPORATE ONE BENEFITS3 Filed as: CORPORATE ONE BENEFITS AGENCY, INC. | 1650 N COUNTY LINE STREET STE 200 FOSTORIA, OH 44830 | MEDICAL MUTUAL OF OHIO | $20K | $251 | $20K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MEDICAL MUTUAL SERVICES EIN 34-1922587 NONE | Contract Administrator Service code 13 | 2060 EAST NINTH STREET CLEVELAND, OH 44115 | $75K |
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 | 212 | 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) | 212 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 182 | $43K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 182 | $43K |
| Life insurance(3 contracts, 3 carriers) | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | 212 | $320K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 212 | $24K |
| Stop-loss / reinsurancereinsurance | MEDICAL MUTUAL OF OHIO | 167 | $0 |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 212 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 212 | — |
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.