| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HYLANT GROUP INC3 | 811 MADISON AVENUE TOLEDO, OH 43604 | BLUECROSS BLUESHIELD OF ILLINOIS | $56K | $0 | $56K | 4.18% |
| THE HORTON GROUP3 Filed as: HORTON GROUP INC. | 10320 ORLAND PKWY ORLAND PARK, IL 60467 | METROPOLITAN LIFE INSURANCE COMPANY | $21K | $762 | $22K | 44.88% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $10 | $2K | 4.83% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $842 | $842 | 1.75% |
| WILLIA OF OHIO3 | 775 YARD ST SUITE 200 COLUMBUS, OH 43212 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | -$1K | -$1K | -2.91% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 35371 NETWORK PL CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | -$12K | $64 | -$12K | -25.25% |
| THE HORTON GROUP3 Filed as: HORTON GROUP INC | 10320 ORLAND PKWY ORLAND PARK, IL 60467 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $32 | $3K | 6.79% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIAS TOWERS WATSON MIDWEST | 35371 NETWORK PL CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $63 | $3K | 6.74% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH | 325 N KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $843 | $843 | 1.81% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO | 775 YARD ST SUITE 200 COLUMBUS, OH 43212 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $390 | $390 | 0.84% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP INC.TOLEDO | 811 MADISON AVE TOLEDO, OH 43604 | DEARBORN LIFE INSURANCE COMPANY | $2K | — | $2K | 12.27% |
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 | 113 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 156 | $1.3M |
| Dental | BLUECROSS BLUESHIELD OF ILLINOIS | 156 | $1.3M |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 130 | $95K |
| Short-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 130 | $95K |
| Long-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 130 | $95K |
| Other(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 130 | $115K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 156 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.