| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 811 MADISON AVE. TOLEDO, OH 43604 | PAN-AMERICAN LIFE INSURANCE COMPANY | $29K | — | $29K | 7.40% |
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS GROUP, INC. | 9400 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 | PAN-AMERICAN LIFE INSURANCE COMPANY | $9K | — | $9K | 2.31% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 811 MADISON AVE TOLEDO, OH 43604 | DELTA DENTAL OF INDIANA | $16K | — | $16K | 9.03% |
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS GROUP, INC. | 9400 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 | DELTA DENTAL OF INDIANA | $2K | — | $2K | 1.17% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 811 MADISON AVE TOLEDO, OH 43603 | VISION SERVICE PLAN | $3K | — | $3K | 3.59% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 10 W CARMEL DRIVE SUITE 260 CARMEL, IN 460323365 | VISION SERVICE PLAN | $510 | — | $510 | 0.71% |
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 | 325 | 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) | 325 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PAN-AMERICAN LIFE INSURANCE COMPANY | 325 | $393K |
| Dental | DELTA DENTAL OF INDIANA | 550 | $174K |
| Vision | VISION SERVICE PLAN | 318 | $72K |
| Life insurance | PAN-AMERICAN LIFE INSURANCE COMPANY | 325 | $393K |
| Other | PAN-AMERICAN LIFE INSURANCE COMPANY | 325 | $393K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 550 | — |
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."
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.