| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | P.O. BOX 1687 TOLEDO, OH 43603 | HARTFORD LIFE AND ACCIDENT | $3K | $0 | $3K | 10.00% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 10401 N. MERIDIAN, STE 200 CARMEL, IN 46290 | HARTFORD LIFE AND ACCIDENT | — | $392 | $392 | 1.54% |
| WATCHTOWER BENEFITS, LLC3 | 227 W. MONROE STREET, STE 5200 CHICAGO, IL 60606 | HARTFORD LIFE AND ACCIDENT | — | $380 | $380 | 1.49% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PRO-CLAIMS PLUS DBA PHP TPA SERVICE EIN 35-1938551 NONE | Contract Administrator; Claims processing Service code 12 | — | $11K |
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. |
| 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) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | HARTFORD LIFE AND ACCIDENT | 132 | $25K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 132 | $25K |
| Other | HARTFORD LIFE AND ACCIDENT | 132 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 132 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.