| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 43604 | SUNLIFE ASSURANCE COMPANY OF CANADA | $37K | $0 | $37K | 11.45% |
| FOSTER, MONTIE DAVID3 Filed as: FOSTER, MONTIE | 7077 BONNEVAL ROAD SUITE 380 JACKSONVILLE, FL 32216 | SUNLIFE ASSURANCE COMPANY OF CANADA | $16K | $0 | $16K | 4.91% |
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 43604 | SUNLIFE ASSURANCE COMPANY OF CANADA | $47K | $0 | $47K | 14.98% |
| MERITAIN HEALTH3 Filed as: MERITAIN HEALTH INC. | 300 CORPORATE PKWY AMHERST, NY 14226 | SUNLIFE ASSURANCE COMPANY OF CANADA | $0 | $2K | $2K | 0.49% |
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 43604 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY (AKA SUPERIOR VISION PLAN) | $1K | $0 | $1K | 5.94% |
| MONTIE DAVID FOSTER LUTCF3 Filed as: MONTIE DAVID FOSTER | 7077 BONNEVAL ROAD SUITE 380 JACKSONVILLE, FL 32216 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY (AKA SUPERIOR VISION PLAN) | $659 | $0 | $659 | 3.20% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 TPA | Claims processing Service code 12 | — | $132K |
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 | 189 | 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) | 189 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUNLIFE ASSURANCE COMPANY OF CANADA | 174 | $321K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY (AKA SUPERIOR VISION PLAN) | 334 | $21K |
| Life insurance | SUNLIFE ASSURANCE COMPANY OF CANADA | 174 | $321K |
| Short-term disability | SUNLIFE ASSURANCE COMPANY OF CANADA | 174 | $321K |
| Long-term disability | SUNLIFE ASSURANCE COMPANY OF CANADA | 174 | $321K |
| Stop-loss / reinsurancereinsurance | SUNLIFE ASSURANCE COMPANY OF CANADA | 163 | $315K |
| Other | SUNLIFE ASSURANCE COMPANY OF CANADA | 174 | $321K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 334 | — |
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."
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.