| 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 | $42K | — | $42K | 3.66% |
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 436045684 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $996 | $4K | 13.97% |
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 436045684 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $529 | $3K | 18.89% |
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 436045684 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $527 | $2K | 19.05% |
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 436045684 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $515 | $2K | 14.25% |
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 436045684 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $179 | $74 | $253 | 14.11% |
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 436045684 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $107 | $27 | $134 | 18.79% |
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 | 187 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 187 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 187 | $1.1M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 152 | $12K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 127 | $25K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 152 | $13K |
| Other(3 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 152 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 187 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.