| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 10401 N MERIDIAN ST. STE 200 INDIANAPOLIS, IN 46290 | PHYSICIANS HEALTH PLAN OF NORTHERN INDIANA INC. | $62K | — | $62K | 2.30% |
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 436045684 | PRINCIPAL LIFE INSURANCE COMPANY | $26K | $8K | $34K | 11.28% |
| LINCOLN FINANCIAL GROUP3 Filed as: LINCOLN FINANCIAL ADVISORS | 1301 S HARRISON STREET SUITE 150 FORT WAYNE, IN 46802 | LINCOLN FINANCIAL GROUP | $1K | — | $1K | 1.50% |
| ROBERT KLINGENBERGER3 | 7650 RIVERS EDGE DRIVE 250 COLUMBUS, OH 43235 | LINCOLN FINANCIAL GROUP | $848 | — | $848 | 2.40% |
| LFA3 | 1301 S HARRISON STREET SUITE 150 FORT WAYNE, IN 46802 | LINCOLN FINANCIAL GROUP | $574 | — | $574 | 1.62% |
| LINCOLN FINANCIAL GROUP3 Filed as: LINCOLN FINANCIAL ADVISORS | 1301 S HARRISON STREET SUITE 150 FORT WAYNE, IN 46802 | LINCOLN FINANCIAL GROUP | $262 | — | $262 | 1.50% |
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 | 309 | 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) | 309 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PHYSICIANS HEALTH PLAN OF NORTHERN INDIANA INC. | 309 | $2.7M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 282 | $304K |
| Vision(2 contracts, 2 carriers) | PHYSICIANS HEALTH PLAN OF NORTHERN INDIANA INC. | 309 | $3.0M |
| Life insurance(4 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 309 | $443K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 282 | $304K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 282 | $304K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 309 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.