| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HYLANT GROUP INC3 | 811 MADISON AVENUE TOLEDO, OH 43604 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $15K | $2K | $17K | 14.33% |
| HYLANT GROUP INC3 | 85 CAMPAU AVE NW STE 100 GRAND RAPIDS, MI 49503 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $26K | $973 | $27K | 25.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2600 S TELEGRAPH STE 100 BLOOMFIELD HILLS, MI 48302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $886 | — | $886 | 0.81% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2000 MORRIS AVE, STE 1400 BIRMINGHAM, AL 35203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $123 | — | $123 | 0.11% |
| BENEFITSTORE INC3 | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $76 | — | $76 | 0.07% |
| CHRISTOPHER THOMAS SMITH3 | 798 BERRY RD NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9 | — | $9 | 0.01% |
| HYLANT GROUP INC3 Filed as: HYLAND GROUP | 811 MADISON AVENUE TOLEDO, OH 48604 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $841 | $9K | 14.41% |
| HYLANT GROUP INC3 | 811 MADISON AVENUE TOLEDO, OH 43603 | VSP VISION CARE | $2K | $13K | $15K | 34.00% |
| HYLANT GROUP INC3 Filed as: HYLAND GROUP | 811 MADISON AVENUE TOLEDO, OH 43604 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $461 | $73 | $534 | 11.57% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LUMINARE HEALTH BENEFITS INC EIN 35-1846036 | Other services; Claims processing; Plan Administrator Service code 12 | — | $159K |
| HYLANT 5 EIN 34-1880366 | Consulting (general); Insurance agents and brokers Service code 16 | — | $119K |
| AETNA EIN 06-6033492 | Claims processing; Other services Service code 12 | — | $59K |
| HYLANT GROUP, INC. AGENT/AGENCY | Insurance agents and brokers Service code 22 | 811 MADISON AVE. TOLEDO, OH 43604 | $20K |
| DELTA DENTAL OF MICHIGAN EIN 38-1791480 BENFIT ADMINISTRATIOR | Contract Administrator; Claims processing Service code 12 | — | $16K |
| MULTIPLAN INC EIN 13-3068979 | Other services; Claims processing; Plan Administrator Service code 12 | — | $8K |
| TELEDOC EIN 04-3705970 | Claims processing; Plan Administrator; Other services Service code 12 | — | $5K |
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 | 537 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 537 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VSP VISION CARE | 488 | $43K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 522 | $64K |
| Short-term disability(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 522 | $230K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 522 | — |
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.