| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HYLANT GROUP INC3 | 811 MADISON AVENUE TOLEDO, OH 43604 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | $4K | $20K | 13.58% |
| HYLANT GROUP INC3 | 5210 BELFORT ROAD, SUITE 205 JACKSONVILLE, FL 32256 | HARTFORD LIFE & ACCIDENT | $29K | $0 | $29K | 22.52% |
| HYLANT GROUP INC3 | PO BOX 1687 TOLEDO, OH 43603 | HARTFORD LIFE & ACCIDENT | $0 | $10K | $10K | 7.39% |
| CREATIVE WORKSITE SOLUTIONS LLC3 Filed as: CREATIVE WORKSITE SOLUTIONS | 3404 SALTERBECK STREET, SUITE 207 MOUNT PLEASANT, SC 29466 | TRANSAMERICA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 12.31% |
| HYLANT GROUP INC3 | 811 MADISON AVENUE TOLEDO, OH 43604 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 8.21% |
| CREATIVE WORKSITE SOLUTIONS LLC3 Filed as: CREATIVE WORKSITE SOLUTIONS | 3404 SALTERBECK STREET, SUITE 207 MOUNT PLEASANT, SC 29466 | AMERICAN HERTIAGE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 13.25% |
| HYLANT GROUP INC3 | 811 MADISON AVENUE TOLEDO, OH 43604 | AMERICAN HERTIAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 5.41% |
| UNKNOWN3 | UNKNOWN JACKSONVILLE, FL 32236 | TELADOC HEALTH, INC. | $1K | $0 | $1K | 15.00% |
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 | 244 | 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) | 244 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 492 | $150K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 492 | $150K |
| Life insurance | HARTFORD LIFE & ACCIDENT | 244 | $129K |
| Short-term disability | HARTFORD LIFE & ACCIDENT | 244 | $129K |
| Long-term disability | HARTFORD LIFE & ACCIDENT | 244 | $129K |
| Other(4 contracts, 4 carriers) | HARTFORD LIFE & ACCIDENT | 244 | $199K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 492 | — |
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.