| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 43604 | PHYSICIANS HEALTH PLAN OF NORTHERN INDIANA INC | $34K | — | $34K | 1.21% |
| HYLANT GROUP INC3 Filed as: HYLANT OF INDIANA LLC | 6714 POINTE INVERNESS WAY STE 100 FORT WAYNE, IN 46804 | SUN LIFE ASSURANCE COMPANY OF CANADA | $10K | — | $10K | 12.71% |
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 43604 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $1K | $1K | 1.58% |
| HYLANT GROUP INC3 | 1050 CROWN POINTE PARKWAY ATLANTA, GA 30338 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $1K | $1K | 1.58% |
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 43603 | VISION SERVICE PLAN | $1K | — | $1K | 4.68% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFIT SOLUTIONS LLC | 205 N LAKE ST #1 WARSAW, IN 46580 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $58 | — | $58 | 2.49% |
| AARON VANPELT INC3 | 11495 PENNSYLVANIA STREET CARMEL, IN 46032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $58 | — | $58 | 2.49% |
| HOWARD HOROWITZ3 Filed as: HOWARD J HOROWITZ | 2610 ALCOTT STREET CARMEL, IN 46032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.13% |
| JACKIE LEE KELLER3 | 3029 SLEEPING RIDGE WAY INDIANAPOLIS, IN 46217 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.09% |
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 | 268 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 272 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PHYSICIANS HEALTH PLAN OF NORTHERN INDIANA INC | 258 | $2.8M |
| Vision | VISION SERVICE PLAN | 142 | $30K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 260 | $83K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 260 | $80K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 260 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 260 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.