| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HYLANT GROUP INC3 | 6714 POINTE INVERNESS WAY SUITE 100 FORT WAYNE, IN 46804 | ANTHEM LIFE INSURANCE COMPANY | $3K | — | $3K | 5.84% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 233 S WACKER DR, STE 2000 CHICAGO, IL 60606 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $458 | $458 | 2.44% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 400 NORTH EXECUTIVE DRIVE, SUITE 30 BROOKFIELD, WI 53005 | COMMUNITY INSURANCE COMPANY | $467 | — | $467 | 2.94% |
| HYLANT GROUP INC3 | 6714 POINTE INVERNESS WAY SUITE 100 FORT WAYNE, IN 46804 | COMMUNITY INSURANCE COMPANY | $422 | — | $422 | 2.65% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE | WEST INC. 801 SOUTH FIGUEROA ST. SUITE 800 LOS ANGELES, CA 90017 | COMMUNITY INSURANCE COMPANY | — | $156 | $156 | 0.98% |
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 | 121 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | COMMUNITY INSURANCE COMPANY | 76 | $16K |
| Vision | EYEMED VISION AND CARE ON BEHALF OF THE FIDELITY SECURITY LIFE | 71 | $3K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 121 | $49K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 47 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 121 | — |
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.