| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 6000 FREEDOM SQUARE DRIVE SUITE 400 INDEPENDENCE, OH 44131 | HARTFORD LIFE AND ACCIDENT | $14K | $0 | $14K | 3.60% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | HARTFORD LIFE AND ACCIDENT | $5K | $164 | $5K | 1.34% |
| PAUL STANLEY JR3 Filed as: PAUL J. STANLEY | 5264 INTERNATIONAL BOULEVARD SUITE 200B NORTH CHARLESTON, SC 29418 | HARTFORD LIFE AND ACCIDENT | $4K | $0 | $4K | 1.02% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | PO BOX 116 HAMMONTON, NJ 08037 | HARTFORD LIFE AND ACCIDENT | $4K | $0 | $4K | 1.02% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | PO BOX 955816 SAINT LOUIS, MO 63195 | HARTFORD LIFE AND ACCIDENT | $0 | $520 | $520 | 0.13% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 811 MADISON AVENUE TOLEDO, OH 43603 | VISION SERVICE PLAN | $2K | $0 | $2K | 7.59% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN ROAD, SUITE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $158 | $0 | $158 | 0.50% |
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 | 344 | 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) | 344 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 544 | $3.8M |
| Dental | AETNA LIFE INSURANCE COMPANY | 544 | $3.8M |
| Vision | VISION SERVICE PLAN | 214 | $32K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 344 | $391K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 344 | $391K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 344 | $391K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 544 | $3.8M |
| Other | HARTFORD LIFE AND ACCIDENT | 344 | $391K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 544 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.