| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LEONARD L CAVENDER3 | 19172 SCOFIELD FARMS BLVD WESTFIELD, IN 460620031 | STANDARD INSURANCE COMPANY | $9K | — | $9K | 7.88% |
| LEONARD L CAVENDER3 | 19172 SCOFIELD FARMS BLVD WESTFIELD, IN 460620031 | VISION SERVICE PLAN | $2K | — | $2K | 2.46% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 811 MADISON AVE TOLEDO, OH 43603 | VISION SERVICE PLAN | $158 | — | $158 | 0.23% |
| LEONARD L CAVENDER3 | 19172 SCOFIELD FARMS BLVD WESTFIELD, IN 460620031 | STANDARD INSURANCE COMPANY | $7K | — | $7K | 10.07% |
| UNIFIED GROUP SERVICES, INC.3 | 3131 EAST 67TH STREET ANDERSON, IN 46013 | HCC LIFE INSURANCE COMPANY | $3K | $657 | $4K | 8.13% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 10401 NORTH MERIDIAN STREET, STE 20 INDIANAPOLIS, IN 46290 | HCC LIFE INSURANCE COMPANY | $2K | — | $2K | 3.24% |
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 | 306 | 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) | 306 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 211 | $70K |
| Life insurance | STANDARD INSURANCE COMPANY | 306 | $112K |
| Long-term disability | STANDARD INSURANCE COMPANY | 263 | $65K |
| Other | HCC LIFE INSURANCE COMPANY | 223 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 306 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.