| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 43604 | SUN LIFE ASSURANCE COMPANY OF CANADA | $54K | $7K | $61K | 13.44% |
| MERITAIN HEALTH3 Filed as: MERITAIN HEALTH INC | 300 CORPORATE PKWY AMHERST, NY 14226 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $3K | $3K | 0.76% |
| HYLANT GROUP INC3 | 8 CADILLAC DRIVE SUITE 230 BRENTWOOD, TN 37027 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $33K | $7K | $39K | 13.09% |
| DAVID FOSTER3 Filed as: DAVID M FOSTER | 3331 ST JOHNS AVE JACKSONVILLE, FL 32205 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14K | $0 | $14K | 4.64% |
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 43604 | SUNLIFE ASSURANCE COMPANY OF CANADA | $4K | $441 | $4K | 15.61% |
| FOSTER, MONTIE DAVID3 | 7077 BONNEVAL RD STE 380 JACKSONVILLE, FL 32216 | SUNLIFE ASSURANCE COMPANY OF CANADA | $2K | $0 | $2K | 6.00% |
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 43604 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 6.50% |
| FOSTER, MONTIE DAVID3 Filed as: FOSTER MONTIE DAVID | 7077 BONNEVAL RD SUITE 380 JACKSONVILLE, FL 32216 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $758 | $0 | $758 | 3.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 TPA | Claims processing Service code 12 | — | $143K |
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 | 196 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 203 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 196 | $301K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 362 | $22K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 196 | $301K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 196 | $301K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 196 | $301K |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 196 | $779K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 362 | — |
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.