| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MUTUAL HEALTH SERVICES5 | — | ROUNDSTONE MANAGEMENT | — | $80K | $80K | 15.78% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 6714 POINTE INVERNESS WAY STE 100 FORT WAYNE, IN 46804 | ROUNDSTONE MANAGEMENT | $45K | — | $45K | 8.87% |
| TELEDOC5 | — | ROUNDSTONE MANAGEMENT | — | $1K | $1K | 0.22% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 811 MADISON AVE TOLEDO, OH 43604 | DELTA DENTAL OF OHIO | $6K | $0 | $6K | 9.85% |
| HYLANT GROUP INC3 | 81 MADISON AVE TOLEDO, OH 43604 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | $0 | $9K | 26.78% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH | 325 N. KIRKWOOD RD. SUITE 300 KIRKWOOD, MO 63122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $2K | $2K | 5.00% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 811 MADISON AVE TOLEDO, OH 43604 | DELTA DENTAL OF OHIO | $2K | $0 | $2K | 10.03% |
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 43604 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 18.28% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N, KIRKWOOD SUITE 300 KIRKWOOD, MO 63122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $354 | $354 | 5.00% |
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 43604 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $714 | — | $714 | 21.81% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD SUITE 300 KIRKWOOD, MO 63122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $164 | $164 | 5.01% |
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 | 259 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 259 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ROUNDSTONE MANAGEMENT | 136 | $504K |
| Dental | DELTA DENTAL OF OHIO | 254 | $58K |
| Vision | DELTA DENTAL OF OHIO | 259 | $16K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 67 | $35K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 163 | $7K |
| Stop-loss / reinsurancereinsurance | ROUNDSTONE MANAGEMENT | 136 | $504K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 163 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 259 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.