| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP | 18700 HAYDEN ROAD SUITE 405 SCOTTSDALE, AZ 85255 | UNIMERICA INSURANCE COMPANY | $59K | — | $59K | 7.00% |
| JA BENEFITS LLC3 | 1630 H STREET BEDFORD, IN 47421 | SYMETRA LIFE INSURANCE COMPANY | $41K | $10K | $51K | 12.54% |
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 43604 | SYMETRA LIFE INSURANCE COMPANY | $20K | $2K | $22K | 5.44% |
| JA BENEFITS LLC3 | PO BOX 159 BEDFORD, IN 47421 | VISION SERVICE PLAN | $997 | — | $997 | 2.01% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP INC. | 811 MADISON AVE TOLEDO, OH 43603 | VISION SERVICE PLAN | $873 | — | $873 | 1.76% |
| JA BENEFITS LLC3 | 1630 H STREET BEDFORD, IN 47421 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $358 | $3K | 14.18% |
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 43604 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 6.58% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM INSURANCE COMPANIES, INC. EIN 35-0781558 CONTRACT | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Float revenue; Other services; Claims processing Service code 12 | — | $802K |
| HYLANT GROUP, INC. | Insurance agents and brokers; Other commissions; Insurance brokerage commissions and fees Service code 22 | — | $119K |
| JA BENEFITS LLC CONTRACT | Other commissions; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | PO BOX 159 BEDFORD, IN 47421 | $17K |
| HYLAND GROUP INC CONTRACT | Other commissions; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 6714 POINTE INVERNESS WAY FORT WAYNE, IN 46804 | $0 |
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 | 429 | 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) | 429 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 406 | $25K |
| Vision | VISION SERVICE PLAN | 429 | $50K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 429 | $406K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 429 | $406K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 429 | $406K |
| Stop-loss / reinsurancereinsurance | UNIMERICA INSURANCE COMPANY | 401 | $850K |
| Other | SYMETRA LIFE INSURANCE COMPANY | 429 | $406K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 429 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.