| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASR HEALTH BENEFITS3 | — | SIRIUS AMERICA | $77K | — | $77K | 12.00% |
| HYLANT GROUP INC3 | 85 CAMPAU AVENUE NORTHWEST SUITE 100 GRAND RAPIDS, MI 49503 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $19K | $3K | $23K | 12.29% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 811 MADISON AVENUE TOLEDO, OH 43603 | VISION SERVICE PLAN | $2K | — | $2K | 4.20% |
| STRATEGIC ENROLLMENT SERVICES INC.3 Filed as: STRATEGIC ENROLLMENT SERVICES | 1205 LOUISIANA AVENUE SUITE 441 PERRYSBURG, OH 43552 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | — | $15K | — |
| HYLANT GROUP INC3 | 85 CAMPAU AVENUE NORTHWEST SUITE 100 GRAND RAPIDS, MI 49503 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ASR HEALTH BENEFITS EIN 38-2651185 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $113K |
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 | 358 | 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) | 358 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 288 | $38K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 326 | $184K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 326 | $184K |
| Stop-loss / reinsurancereinsurance | SIRIUS AMERICA | 358 | $644K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 326 | $184K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 358 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.