| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 43604 | SUN LIFE ASSURANCE COMPANY OF CANADA | $42K | $1K | $44K | 10.30% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP IN | 24 FRANK LLOYD WRIGHT DR SUITE J4100 ANN ARBOR, MI 48105 | SUN LIFE ASSURANCE COMPANY OF CANADA | $14K | — | $14K | 3.34% |
| HYLANT GROUP INC3 | ATTN ACCOUNTING DEPT 811 MADISON AVE TOLEDO, OH 436045684 | PRINCIPAL LIFE INSURANCE COMPANY | $11K | $1K | $12K | 10.95% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 811 MADISON AVENUE 8TH FLOOR TOLEDO, OH 436045626 | UNITED HEALTHCARE INSURANCE COMPANY | $11K | — | $11K | 10.94% |
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 43604 | CIGNA GROUP INSURANCE | $5K | — | $5K | 10.00% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP INC - JACKSONVILLE | 811 MADISON AVE TOLDEO, OH 436045684 | HUMANA | $2K | — | $2K | 10.68% |
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 43604 | CIGNA GROUP INSURANCE | $1K | — | $1K | 9.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICE, INC EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $173K |
| HYLANT GROUP INC BROKER | Other commissions Service code 55 | 250 INTERNATIONAL PARKWAY SUITE 330 LAKE MARY, FL 327465055 | $0 |
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 | 198 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 198 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 375 | $111K |
| Vision | HUMANA | 101 | $15K |
| Life insurance | UNITED HEALTHCARE INSURANCE COMPANY | 235 | $100K |
| Short-term disability | CIGNA GROUP INSURANCE | 61 | $12K |
| Long-term disability | CIGNA GROUP INSURANCE | 214 | $46K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 198 | $423K |
| Other | UNITED HEALTHCARE INSURANCE COMPANY | 235 | $100K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 375 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.