| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MJ INSURANCE3 Filed as: MJ INSURANCE INC | P.O. BOX 3430 CARMEL, IN 46082 | ANTHEM INSURANCE COMPANIES, INC. | $21K | — | $21K | 3.82% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC | P.O. BOX 3430 CARMEL, IN 460823430 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | — | $5K | 9.89% |
| HYLANT GROUP INC3 | 811 MADISON AVENUE TOLEDO, OH 436045684 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $1K | $4K | 9.37% |
| HYLANT GROUP INC3 | 811 MADISON AVENUE TOLEDO, OH 436045684 | PRINCIPAL LIFE INSURANCE COMPANY | $629 | $644 | $1K | 2.81% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC | P.O. BOX 3430 CARMEL, IN 460823430 | PRINCIPAL LIFE INSURANCE COMPANY | $901 | — | $901 | 1.99% |
| HYLANT GROUP INC3 | 811 MADISON AVENUE TOLEDO, OH 436045684 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $1K | $4K | 7.76% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC | P.O. BOX 3430 CARMEL, IN 460823430 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 5.80% |
| HYLANT GROUP INC3 | 811 MADISON AVENUE TOLEDO, OH 436045684 | PRINCIPAL LIFE INSURANCE COMPANY | $719 | $687 | $1K | 6.11% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC | P.O. BOX 3430 CARMEL, IN 460823430 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 4.89% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC | P.O. BOX 3430 CARMEL, IN 460823430 | PRINCIPAL LIFE INSURANCE COMPANY | $784 | — | $784 | 5.37% |
| HYLANT GROUP INC3 | 811 MADISON AVENUE TOLEDO, OH 436045684 | PRINCIPAL LIFE INSURANCE COMPANY | $422 | $295 | $717 | 4.91% |
| HYLANT GROUP INC3 | 811 MADISON AVENUE TOLEDO, OH 436045684 | PRINCIPAL LIFE INSURANCE COMPANY | $293 | $222 | $515 | 6.99% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC | P.O. BOX 3430 CARMEL, IN 460823430 | PRINCIPAL LIFE INSURANCE COMPANY | $445 | — | $445 | 6.04% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC | 571 MONON BOULEVARD SUITE 400 CARMEL, IN 46032 | MADISON NATIONAL LIFE | $697 | — | $697 | 12.00% |
| MGU UNDERWRITING FEE3 | 1280 BRIGHTON WAY NEWTOWN SQUARE, PA 19073 | MADISON NATIONAL LIFE | $319 | — | $319 | 5.49% |
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 | 256 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 257 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ANTHEM INSURANCE COMPANIES, INC. | 59 | $563K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 111 | $45K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 114 | $15K |
| Life insurance(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 256 | $53K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 103 | $23K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 256 | $45K |
| Stop-loss / reinsurancereinsurance | WESTPORT INSURANCE CORPORATION | 35 | $25K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 109 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 256 | — |
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.