| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HYLANT GROUP INC3 | 811 MADISON AVENUE TOLEDO, OH 43604 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $5K | 15.28% |
| HYLANT GROUP INC3 | 811 MADISON AVENUE TOLEDO, OH 43604 | COMMUNITY EYE CARE | $3K | — | $3K | 10.00% |
| HYLANT GROUP INC3 | 811 MADISON AVENUE TOLEDO, OH 43604 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $5K | 18.84% |
| HYLANT GROUP INC3 | 811 MADISON AVENUE TOLEDO, OH 43604 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $3K | 17.91% |
| HYLANT GROUP INC3 | 85 CAMPEAU AVENUE NORTHWEST SUITE 100 GRAND RAPIDS, MI 49503 | SYMETRA LIFE INSURANCE COMPANY | — | $155 | $155 | 2.20% |
| HYLANT GROUP INC3 | 811 MADISON AVENUE TOLEDO, OH 43604 | SYMETRA LIFE INSURANCE COMPANY | -$353 | — | -$353 | -5.01% |
| DENNIS INSURANCE3 Filed as: DENNIS INSURANCE & FINANCIAL | 901 BATTLEGROUND AVENUE SUITE A GREENSBORO, NC 27408 | SYMETRA LIFE INSURANCE COMPANY | -$7K | — | -$7K | -105.85% |
| HYLANT GROUP INC3 | 811 MADISON AVENUE TOLEDO, OH 43604 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $698 | — | $698 | 10.00% |
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 | 274 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 283 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | COMMUNITY EYE CARE | 293 | $26K |
| Life insurance(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 263 | $40K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 135 | $32K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 122 | $16K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 263 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 293 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.