| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HYLANT GROUP INC3 | 7077 BONNEVAL RD STE 120 JACKSONVILLE, FL 32216 | BLUE CROSS BLUE SHIELD OF FLORIDA | $28K | $0 | $28K | 5.50% |
| HYLANT GROUP INC3 | 7077 BONNEVAL RD STE 120 JACKSONVILLE, FL 32216 | HEALTH OPTION, INC | $20K | $0 | $20K | 5.50% |
| ANNE BORNGESSER3 | 811 MADISON AVE TOLEDO, OH 43604 | STANDARD LIFE AND ACCIDENT | $2K | $0 | $2K | 6.68% |
| MORGAN WHITE LIMITED3 | PO BOX 14067 JACKSON, MS 39236 | STANDARD LIFE AND ACCIDENT | $2K | $0 | $2K | 5.00% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S SUITE 210 ST. AUGUSTINE, FL 32080 | STANDARD LIFE AND ACCIDENT | $1K | $0 | $1K | 3.31% |
| CHRISTY PERSONS3 Filed as: CHRISTY PERSON | 19220 PERSONS ROAD MOSS POINT, MS 39562 | STANDARD LIFE AND ACCIDENT | $988 | $0 | $988 | 2.99% |
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 43604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 13.79% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S SUITE 210 ST. AUGUSTINE, FL 32080 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $762 | $0 | $762 | 2.78% |
| PLANSOURCE BENEFIT ADMINISTRATION3 Filed as: PLANSOURCE BENEFIT ADMINISTRAT | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $152 | $0 | $152 | 0.56% |
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 43604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 13.68% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S SUITE 210 ST. AUGUSTINE, FL 32080 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $383 | $0 | $383 | 2.89% |
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 43604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 13.77% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S SUITE 210 ST. AUGUSTINE, FL 32080 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $359 | $0 | $359 | 2.80% |
| PLANSOURCE BENEFIT ADMINISTRATION3 Filed as: PLANSOURCE BENEFIT ADMINISTRAT | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $70 | $0 | $70 | 0.55% |
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 43604 | SUN LIFE ASSURANCE COMPANY OF CANADA | $827 | $0 | $827 | 7.49% |
| HYLANT GROUP INC3 | 24 FRANK LLOYD WRIGHT DR SUITE J4100 ANN ARBOR, MI 48105 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $332 | $332 | 3.01% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S SUITE 210 ST. AUGUSTINE, FL 32080 | SUN LIFE ASSURANCE COMPANY OF CANADA | $188 | $0 | $188 | 1.70% |
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 43604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $566 | — | $566 | 13.78% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S SUITE 210 ST. AUGUSTINE, FL 32080 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $115 | $0 | $115 | 2.80% |
| PLANSOURCE BENEFIT ADMINISTRATION3 Filed as: PLANSOURCE BENEFIT AMINSTRAT | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $22 | $0 | $22 | 0.54% |
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 | 170 | 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) | 170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 77 | $862K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 119 | $11K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 164 | $17K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 54 | $27K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 44 | $13K |
| Other(3 contracts, 2 carriers) | STANDARD LIFE AND ACCIDENT | 164 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 164 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.