| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HYLANT GROUP INC3 | 85 CAMPAU AVE NW STE 100 GRAND RAPIDS, MI 49503 | UNITEDHEALTHCARE INSURANCE COMPANY | $38K | — | $38K | 4.07% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP IN | 811 MADISON AVE TOLEDO, OH 436045684 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $792 | $3K | 7.08% |
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 436045684 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $2K | $8K | 21.86% |
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 436045684 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 21.79% |
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 436045684 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $3K | 21.91% |
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 436045684 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $719 | $2K | 22.73% |
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 | 145 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 145 | $937K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 125 | $19K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 96 | $36K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 125 | $16K |
| Other(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 125 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 145 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.