| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HYLANT GROUP INC3 | 811 MADISON AVENUE TOLEDO, OH 43604 | UNITED STATES FIRE INSURANCE COMPANY | $23K | — | $23K | 10.40% |
| HYLANT GROUP INC3 | 811 MADISON AVENUE TOLEDO, OH 43604 | SUN LIFE ASSURANCE COMPANY OF CANADA | $11K | — | $11K | 11.26% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $4K | $4K | 4.07% |
| HYLANT GROUP INC3 | 1050 CROWN POINTE PARKWAY ATLANTA, GA 30338 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $330 | $330 | 0.33% |
| HYLANT GROUP INC3 | 811 MADISON AVENUE TOLEDO, OH 43604 | HCC LIFE INSURANCE COMPANY | $944 | — | $944 | 8.27% |
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 | 139 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 139 | $101K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 139 | $101K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 139 | $101K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 139 | $101K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | UNITED STATES FIRE INSURANCE COMPANY | 85 | $231K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 139 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.