| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HYLANT GROUP INC Filed as: HYLANT GROUP, INC - REBECCA DEHART | 811 MADISON AVE TOLEDO, OH 43603 | EXCESS RE-SIRIUS POINT | $59K | $0 | $59K | 15.01% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC - REBECCA DEHART | 811 MADISON AVE TOLEDO, OH 43604 | DELTA DENTAL OF INDIANA | $12K | $0 | $12K | 9.95% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC - REBECCA DEHART | 811 MADISON AVE TOLEDO, OH 43603 | ONE AMERICA | $45K | $7K | $51K | 115.00% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC - REBECCA DEHART | 811 MADISON AVE TOLEDO, OH 43604 | DELTA DENTAL OF INDIANA | $1K | $0 | $1K | 9.85% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $69K |
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 | 132 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF INDIANA | 25 | $119K |
| Vision | DELTA DENTAL OF INDIANA | 214 | $13K |
| Life insurance | ONE AMERICA | 73 | $45K |
| Stop-loss / reinsurancereinsurance | EXCESS RE-SIRIUS POINT | 111 | $391K |
| Other | UNITED HEALTHCARE INSURANCE COMPANY | 111 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 214 | — |
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.