| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 43604 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $78K | $78K | 5.26% |
| GARDNER COOK3 Filed as: THE GARDNER GROUP | 810 3RD ST NEPTUNE BEACH, FL 32266 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | -$35 | -$35 | -0.00% |
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 436045684 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | $961 | $10K | 11.01% |
| HYLANT GROUP INC3 | 811 MADISON AVENUE 8TH FLOOR TOLEDO, OH 436045626 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | — | $7K | 8.27% |
| GARDNER COOK3 Filed as: THE GARDNER GROUP | 7077 BONNEVAL RD STE 550 JACKSONVILLE, FL 322166055 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 3.66% |
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 43604 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $353 | $5K | 10.83% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP INC-JACKSONVILLE | 800 MADISON AVE TOLEDO, OH 436045612 | COMPBENEFITS | $1K | — | $1K | 10.00% |
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, FL 43604 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $92 | $1K | 10.87% |
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 | 185 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 369 | $1.5M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 292 | $94K |
| Vision | COMPBENEFITS | 76 | $12K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 214 | $86K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 61 | $11K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 214 | $43K |
| Stop-loss / reinsurancereinsurance | UNITEDHEALTHCARE INSURANCE COMPANY | 369 | $1.5M |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 214 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 369 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.