| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 10401 N. MERIDIAN ST STE 200 INDIANAPOLIS, IN 462901151 | UNITED HEALTHCARE INSURANCE COMPANY | $43K | — | $43K | 3.00% |
| HYLANT GROUP INC3 Filed as: GADY EVAN THOMAS/HYLANT GROUP INC. | 811 MADISON AVE. TOLEDO, OH 43604 | HEALTH RESOURCES, INC. | $4K | — | $4K | 5.00% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 301 PENNSYLVANIA PKWY STE 201 INDIANAPOLIS, IN 46280 | AMERICAN UNITED LIFE INSURANCE COMPANY | $10K | $3K | $13K | 19.00% |
| ELIZABETH A SCHENK3 | 4275 W. SAND LAKE RD. STE 300 ORLANDO, FL 32819 | AMERICAN UNITED LIFE INSURANCE COMPANY | $0 | $3K | $3K | 4.19% |
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 | 201 | 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) | 201 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 209 | $1.4M |
| Dental | HEALTH RESOURCES, INC. | 281 | $70K |
| Vision | VISION SERVICE PLAN | 178 | $26K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 107 | $66K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 107 | $66K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 107 | $66K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 281 | — |
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.