| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HYLANT GROUP INC3 Filed as: HYLANT GROUP INC. | 811 MADISON AVENUE TOLEDO, OH 43604 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $16K | $21K | 4.66% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 1.14% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE. SUITE 1500 CLEVELAND, OH 44114 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 0.79% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP INC. | 10401 NORTH MERIDIAN SUITE 200 CARMEL, IN 46290 | HARTFORD LIFE AND ACCIDENT | $4K | — | $4K | 4.23% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD COMPANY | 950 MAIN AVENUE STE. 1800 CLEVELAND, OH 44113 | HARTFORD LIFE AND ACCIDENT | $2K | $733 | $3K | 2.98% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP INC. | 6714 POINTE INVERNESS WAY SUITE 100 FORT WAYNE, IN 44114 | COMMUNITY INSURANCE COMPANY | $2K | — | $2K | 5.98% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVENUE SUITE 1500 CLEVELAND, OH 44114 | COMMUNITY INSURANCE COMPANY | $871 | $259 | $1K | 4.10% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMMUNITY INSURANCE COMPANY EIN 31-1440175 NONE | Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Contract Administrator; Claims processing Service code 12 | — | $642K |
| HYLANT GROUP INC. | Other commissions; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $73K |
| THE JAMES B OSWALD COMPANY NONE | Non-monetary compensation; Insurance agents and brokers; Other commissions; Insurance brokerage commissions and fees Service code 22 | 1360 E. 9TH STREET SUITE 600 CLEVELAND, OH 44114 | $42K |
| HYLANT GROUP NONE | Insurance agents and brokers; Other commissions; Insurance brokerage commissions and fees Service code 22 | 6714 POINTE IVERNESS WAY SUITE 100 FORT WAYNE, IN 46804 | $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 | 2,371 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,371 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 787 | $449K |
| Vision | COMMUNITY INSURANCE COMPANY | 185 | $28K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,879 | $90K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,879 | $90K |
| Other | HARTFORD LIFE AND ACCIDENT | 1,879 | $90K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,879 | — |
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."
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.