| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 811 MADISON AVENUE TOLEDO, OH 43604 | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | $6K | $0 | $6K | 2.96% |
| HYLANT GROUP INC3 | 85 CAMPAU AVE NW STE 100 GRAND RAPIDS, MI 49503 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $602 | $5K | 13.56% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP INC. | 85 CAMPAU AVE NW STE 100 GRAND RAPIDS, MI 49503 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $362 | $3K | 16.64% |
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH ST, STE 234 PHOENIX, AZ 850182151 | PRINCIPAL LIFE INSURANCE COMPANY | $715 | $0 | $715 | 3.97% |
| HYLANT GROUP INC3 | 161 OTTAWA AVE NW, SUITE 209C GRAND RAPIDS, MI 495032762 | PRINCIPAL LIFE INSURANCE COMPANY | $603 | $0 | $603 | 3.35% |
| JEFFREY D HOWARD3 | 9812 CHATHAM OAKS TRL CHARLOTTE, NC 282107813 | PRINCIPAL LIFE INSURANCE COMPANY | $377 | $0 | $377 | 2.09% |
| MORROW INSURANCE AGENCY INC3 Filed as: MORROW INS AGCY INC | PO BOX 1109 HENDERSONVILLE, NC 287931109 | PRINCIPAL LIFE INSURANCE COMPANY | $377 | $0 | $377 | 2.09% |
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 436045684 | PRINCIPAL LIFE INSURANCE COMPANY | $141 | $0 | $141 | 0.78% |
| FRANCES LYNN MCCARTER3 | 10331 LINKSLAND DR. HUNTERSVILLE, NC 28078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $264 | $10 | $274 | 9.50% |
| TONI E STEED LLC3 | 11218 WARFIELD AVE. HUNTERSVILLE, NC 28078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $224 | $41 | $265 | 9.19% |
| LINDA P COLEMAN3 | 18908 RIVER WIND LANE DAVIDSON, NC 28036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $201 | $38 | $239 | 8.29% |
| DONNA N DWYER3 | 1540 WESTBROOK PLAZA DRIVE WINSTON SALEM, NC 27103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $36 | $33 | $69 | 2.39% |
| PHIL COLEMAN3 | 18908 RIVERWIND LN DAVIDSON, NC 28036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | $0 | $35 | 1.21% |
| CARPENTER INSURANCE LLC3 Filed as: THE CARPENTER GROUP | 312 RENSSELAER AVE. CHARLOTTE, NC 28203 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | $0 | $21 | 0.73% |
| PATRICIA L CARON3 | 190 TESUQUE VILLAGE ROAD SANTA FE, NM 87506 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $0 | $6 | 0.21% |
| INSYNC BENEFITS INC3 | PO BOX 1474 CORNELIUS, NC 28031 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $0 | $6 | 0.21% |
| SUSAN FONTENOT3 | 10717 DAPPLE GREY LANE CHARLOTTE, NC 28213 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.14% |
| PHILLIP MCHONE3 | 1233 VILLAGE DR. YADKINVILLE, NC 27055 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.03% |
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 | 197 | 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) | 197 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 39 | $18K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 197 | $35K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 197 | $35K |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | 139 | $211K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 197 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 197 | — |
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.
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.