| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HYLANT GROUP INC3 Filed as: HYLANT GROUP INC. | 50 EAST BUSINESS WAY CINCINNATI, OH 45241 | BIND BENEFITS, INC. DBA SUREST | — | $67K | $67K | 3.13% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP INC. | 811 MADISON AVENUE TOLEDO, OH 43604 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 4.00% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP INC. | 201 DEPOT ST STE 100 ANN ARBOR, MI 48104 | UNITED OF MUTUAL OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 12.00% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP INC. | 201 DEPOT ST STE 100 ANN ARBOR, MI 48104 | UNITED OF MUTUAL OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP INC. | 201 DEPOT ST STE 100 ANN ARBOR, MI 48104 | UNITED OF MUTUAL OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 22.00% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP INC. | 201 DEPOT ST STE 100 ANN ARBOR, MI 48104 | UNITED OF MUTUAL OF OMAHA LIFE INSURANCE COMPANY | $416 | — | $416 | 2.00% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP INC. | 201 DEPOT ST STE 100 ANN ARBOR, MI 48104 | UNITED OF MUTUAL OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP INC. | 201 DEPOT ST STE 100 ANN ARBOR, MI 48104 | UNITED OF MUTUAL OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP INC. | 201 DEPOT ST STE 100 ANN ARBOR, MI 48104 | UNITED OF MUTUAL OF OMAHA LIFE INSURANCE COMPANY | $211 | — | $211 | 10.01% |
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 | 116 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BIND BENEFITS, INC. DBA SUREST | 274 | $2.3M |
| Life insurance(2 contracts) | UNITED OF MUTUAL OF OMAHA LIFE INSURANCE COMPANY | 422 | $33K |
| Other(7 contracts) | UNITED OF MUTUAL OF OMAHA LIFE INSURANCE COMPANY | 422 | $158K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 422 | — |
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.