| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 1120 MADISON AVENUE TOLEDO, OH 436047589 | PHYSICIANS HEALTH PLAN OF NORTHERN INDIANA INC. | $35K | — | $35K | 1.75% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP INC. | 811 MADISON AVENUE 10TH FLOOR P.O. BOX 1687 TOLEDO, OH 436031687 | PHYSICIANS HEALTH PLAN OF NORTHERN INDIANA INC. | $17K | — | $17K | 0.83% |
| USI INSURANCE SERVICES LLC3 | P.O. BOX 62889 VIRGINIA BEACH, VA 23466 | DELTA DENTAL OF INDIANA | $524 | — | $524 | 0.59% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 8 CADILLAC DRIVE SUITE 230 BRENTWOOD, TN 37027 | DELTA DENTAL OF INDIANA | $494 | — | $494 | 0.55% |
| USI INSURANCE SERVICES LLC3 | 1120 MADISON AVENUE TOLEDO, OH 436047589 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 7.44% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP INC. | 811 MADISON AVENUE 10TH FLOOR P.O. BOX 1687 TOLEDO, OH 436031687 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $759 | — | $759 | 2.56% |
| USI INSURANCE SERVICES LLC3 | 1120 MADISON AVENUE TOLEDO, OH 436047589 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 7.18% |
| HYLANT GROUP INC3 Filed as: HYLANT GORUP INC. | 811 MADISON AVENUE 10TH FLOOR P.O. BOX 1687 TOLEDO, OH 436031687 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $716 | — | $716 | 2.82% |
| USI INSURANCE SERVICES LLC3 | 1120 MADISON AVENUE TOLEDO, OH 436047589 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 7.01% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP INC. | 811 MADISON AVENUE 10TH FLOOR P.O. BOX 1687 TOLEDO, OH 436031687 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $528 | — | $528 | 2.90% |
| BROOKS INSURANCE AGENCY3 Filed as: BROOKS INSURANCE AGENCY INC. | 1120 MADISON AVENUE TOLEDO, OH 436047589 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $540 | — | $540 | 3.40% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP INC. | 811 MADISON AVENUE 10TH FLOOR P.O. BOX 1687 TOLEDO, OH 436031687 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $244 | — | $244 | 1.54% |
| USI INSURANCE SERVICES LLC3 | 1120 MADISON AVENUE TOLEDO, OH 436047589 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $160 | — | $160 | 1.01% |
| USI INSURANCE SERVICES LLC3 | 1120 MADISON AVENUE TOLEDO, OH 436047589 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
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 | 332 | 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) | 332 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | PHYSICIANS HEALTH PLAN OF NORTHERN INDIANA INC. | 309 | $2.0M |
| Dental | DELTA DENTAL OF INDIANA | 291 | $89K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 226 | $16K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 332 | $25K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 58 | $18K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 332 | $30K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 332 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 332 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.