| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HYLANT GROUP INC3 | 201 DEPOT ST STE 100 ANN ARBOR, MI 43604 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $22K | — | $22K | 10.68% |
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 436045684 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $11K | $11K | 5.47% |
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 43604 | DELTA DENTAL OF INDIANA | $14K | — | $14K | 10.03% |
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 43603 | VISION SERVICE PLAN | $2K | — | $2K | 4.83% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM INSURANCE COMPANIES, INC EIN 35-0781558 NONE | Other commissions; Insurance agents and brokers; Float revenue; Claims processing; Insurance brokerage commissions and fees; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Contract Administrator Service code 12 | — | $226K |
| INGENIORX INC EIN 82-3062245 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Float revenue; Claims processing Service code 12 | — | $0 |
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 | 290 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 290 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF INDIANA | 397 | $142K |
| Vision | VISION SERVICE PLAN | 173 | $32K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 290 | $203K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 290 | $203K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 290 | $203K |
| Stop-loss / reinsurancereinsurance | ANTHEM INSURANCE COMPANIES, INC | 233 | $552K |
| Other(2 contracts, 2 carriers) | ANTHEM INSURANCE COMPANIES, INC | 290 | $755K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 397 | — |
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.