| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MUTUAL HEALTH SERVICES5 | — | STEALTH | — | $65K | $65K | 16.02% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 6714 POINTE INVERNESS WAY STE 100 FORT WAYNE, IN 46804 | STEALTH | $0 | $50K | $50K | 12.25% |
| TELEDOC5 | — | STEALTH | — | $1K | $1K | 0.31% |
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 43604 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 9.00% |
| CENTRO BENEFITS RESEARCH LLC3 | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $673 | — | $673 | 0.76% |
| HYLANT GROUP INC3 | 81 MADISON AVE TOLEDO, OH 43604 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | — | $10K | 24.78% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $290 | — | $290 | 0.70% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 811 MADISON AVE TOLEDO, OH 43604 | DELTA DENTAL OF OHIO | $1K | — | $1K | 9.27% |
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 43604 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $720 | — | $720 | 19.99% |
| CENTRO BENEFITS RESEARCH LLC3 | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $27 | — | $27 | 0.75% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DELTA DENTAL OF OHIO EIN 31-0685339 BENFIT ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $7K |
| HYLANT GROUP, INC | Insurance agents and brokers Service code 22 | — | $6K |
| HYLANT GROUP, INC. AGENT/AGENCY | Insurance agents and brokers Service code 22 | 811 MADISON AVE. TOLEDO, OH 43604 | $0 |
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 | 164 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 164 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | STEALTH | 294 | $407K |
| Vision | DELTA DENTAL OF OHIO | 234 | $16K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 212 | $41K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 165 | $89K |
| Stop-loss / reinsurancereinsurance | STEALTH | 294 | $407K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 165 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 294 | — |
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.
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.