| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HYLANT GROUP INC3 | 811 MADISON AVE SUITE 1000 TOLEDO, OH 43604 | AUL | $40K | $4K | $44K | 16.69% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFIT RESEARCH | 24500 CHAGRIN BLVD SUITE 365 BEACHWOOD, OH 44122 | AUL | $0 | $1K | $1K | 0.43% |
| HYLANT GROUP INC3 | 6714 POINTE INVERNESS WAY STE 100 FORT WAYNE, IN 46804 | AMERICAN UNITED LIFE INSURANCE COMPANY | $10K | $1K | $12K | 16.99% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFIT RESEARCH | 24500 CHAGRIN BLVD BEACHWOOD, OH 44122 | AMERICAN UNITED LIFE INSURANCE COMPANY | $0 | $276 | $276 | 0.40% |
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 | 302 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 302 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | AUL | 302 | $264K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 148 | $69K |
| Long-term disability | AUL | 302 | $264K |
| Other | AUL | 302 | $264K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 302 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.