| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HYLANT GROUP INC3 | 811 MADISON AVENUE TOLEDO, OH 43604 | PHYSICIANS HEALTH PLAN OF NORTHEAST INDIANA | $43K | $0 | $43K | 1.37% |
| HYLANT GROUP INC3 | PO BOX 1687 TOLEDO, OH 43603 | HARTFORD LIFE AND ACCIDENT | $13K | $0 | $13K | 10.01% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | 227 WEST MONROE STREET, SUITE 5200 CHICAGO, IL 60606 | HARTFORD LIFE AND ACCIDENT | $0 | $2K | $2K | 1.49% |
| HYLANT GROUP INC3 | 811 MADISON AVENUE TOLEDO, OH 43604 | DELTA DENTAL OF INDIANA | $2K | $0 | $2K | 1.98% |
| HYLANT GROUP INC3 | 811 MADISON AVENUE TOLEDO, OH 43604 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $2K | $0 | $2K | 9.96% |
| HYLANT GROUP INC3 | PO BOX 1687 TOLEDO, OH 43603 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $662 | $0 | $662 | 15.00% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | 2734 NORTH MILDRED AVENUE, SUITE 3 CHICAGO, IL 60614 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $66 | $66 | 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 | 394 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 398 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PHYSICIANS HEALTH PLAN OF NORTHEAST INDIANA | 319 | $3.2M |
| Dental | DELTA DENTAL OF INDIANA | 335 | $111K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 578 | $18K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 394 | $132K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 394 | $132K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 394 | $132K |
| Prescription drug | PHYSICIANS HEALTH PLAN OF NORTHEAST INDIANA | 319 | $3.2M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 394 | $137K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 578 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.