| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HYLANT GROUP INC3 | 6714 POINTE INVERNESS WAY SUITE 100 FORT WAYNE, IN 46804 | ANTHEM INSURANCE COMPANIES, INC. | $25K | — | $25K | 4.70% |
| INDIANA CHAMBER INSURANCE AGENCY3 | 115 WEST WASHINGTON STREET SUITE 850S INDIANAPOLIS, IN 46204 | ANTHEM INSURANCE COMPANIES, INC. | $588 | — | $588 | 0.11% |
| HYLANT GROUP INC3 Filed as: DANIEL HYLANT | 10401 NORTH MERIDIAN STREET SUITE 200 INDIANAPOLIS, IN 46290 | ANTHEM INSURANCE COMPANIES, INC. | — | $23 | $23 | 0.00% |
| HYLANT GROUP INC3 | 811 MADISON AVENUE TOLEDO, OH 436045684 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | $631 | $2K | 4.27% |
| HYLANT GROUP INC3 | 811 MADISON AVENUE TOLEDO, OH 436045684 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | $429 | $6K | 14.77% |
| HYLANT GROUP INC3 | 811 MADISON AVENUE TOLEDO, OH 436045684 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $405 | $4K | 12.31% |
| HYLANT GROUP INC3 | 811 MADISON AVENUE TOLEDO, OH 436045684 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | $289 | $2K | 8.12% |
| HYLANT GROUP INC3 | 811 MADISON AVENUE TOLEDO, OH 436045684 | PRINCIPAL LIFE INSURANCE COMPANY | $986 | $96 | $1K | 8.33% |
| HYLANT GROUP INC3 | 811 MADISON AVENUE TOLEDO, OH 436045684 | PRINCIPAL LIFE INSURANCE COMPANY | $631 | $113 | $744 | 10.29% |
| HYLANT GROUP INC3 Filed as: HYLANT | 811 MADISON AVENUE TOLEDO, OH 43604 | MADISON NATIONAL LIFE | $806 | — | $806 | 12.00% |
| MGU UNDERWRITING FEE3 | 1280 BRIGHTON WAY NEWTON SQUARE, PA 19073 | MADISON NATIONAL LIFE | $369 | — | $369 | 5.50% |
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 | 248 | 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) | 248 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ANTHEM INSURANCE COMPANIES, INC. | 69 | $549K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 78 | $42K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 67 | $13K |
| Life insurance(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 248 | $49K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 101 | $20K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 248 | $29K |
| Stop-loss / reinsurancereinsurance | WESTPORT INSURANCE CORPORATION | 51 | $28K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 102 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 248 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.