| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HYLANT GROUP INC3 | 811 MADISON AVENUE TOLEDO, OH 43604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $39K | $10K | $49K | 19.00% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFITS, LLC | 1828 WALNUT STREET #801 KANSAS CITY, MO 64108 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 2.00% |
| HYLANT GROUP INC3 | 811 MADISON AVENUE TOLEDO, OH 43604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $18K | $5K | $23K | 19.00% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFITS, LLC | 1828 WALNUT STREET #801 KANSAS CITY, MO 64108 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 2.00% |
| HYLANT GROUP INC3 | 811 MADISON AVENUE TOLEDO, OH 43604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | $3K | $19K | 24.00% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFITS, LLC | 1828 WALNUT STREET #801 KANSAS CITY, MO 64108 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 2.00% |
| HYLANT GROUP INC3 | 811 MADISON AVENUE TOLEDO, OH 43604 | UNUM INSURANCE COMPANY | $11K | $2K | $13K | 22.00% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFITS, LLC | 1828 WALNUT STREET #801 KANSAS CITY, MO 64108 | UNUM INSURANCE COMPANY | $1K | — | $1K | 2.00% |
| HYLANT GROUP INC3 | 811 MADISON AVENUE TOLEDO, OH 43604 | UNUM INSURANCE COMPANY | $8K | $2K | $10K | 22.00% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFITS, LLC | 1828 WALNUT STREET #801 KANSAS CITY, MO 64108 | UNUM INSURANCE COMPANY | $898 | — | $898 | 2.01% |
| HYLANT GROUP INC3 | 811 MADISON AVENUE TOLEDO, OH 43604 | UNUM INSURANCE COMPANY | $8K | $2K | $10K | 22.10% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFITS, LLC | 1828 WALNUT STREET #801 KANSAS CITY, MO 64108 | UNUM INSURANCE COMPANY | $881 | — | $881 | 2.01% |
| HYLANT GROUP INC3 | 811 MADISON AVENUE TOLEDO, OH 43604 | STARMOUNT LIFE INSURANCE COMPANY | $3K | $2K | $5K | 11.00% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFITS, LLC | 1828 WALNUT STREET #801 KANSAS CITY, MO 64108 | STARMOUNT LIFE INSURANCE COMPANY | $870 | — | $870 | 2.00% |
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 | 813 | 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) | 813 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 592 | $43K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 813 | $379K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 813 | $257K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 149 | $80K |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 813 | $528K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 813 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.