| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 43604 | SUN LIFE ASSURANCE COMPANY OF CANADA | $89K | $0 | $89K | 12.20% |
| SBR SERVICES LLC3 | 2839 PACES FERRY RD. SE SUITE 380 ATLANTA, GA 30339 | SUN LIFE ASSURANCE COMPANY OF CANADA | $22K | — | $22K | 3.00% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC | 24 FRANK LLOYD WRIGHT DR. ANN ARBOR, MI 48105 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $11K | $11K | 1.52% |
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 43604 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $45K | $5K | $50K | 11.92% |
| DAVID FOSTER | 3331 SAINT JOHN AVENUE JACKSONVILLE, FL 32205 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $19K | $0 | $19K | 4.62% |
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 43604 | SUNLIFE ASSURANCE COMPANY OF CANADA | $5K | $0 | $5K | 13.88% |
| FOSTER, MONTIE DAVID3 | 7077 BONNEVAL RD SUITE 380 JACKSONVILLE, FL 32216 | SUNLIFE ASSURANCE COMPANY OF CANADA | $2K | $0 | $2K | 5.95% |
| HYLANT GROUP INC3 | 24 FRANK LLOYD WRIGHT DR. SUITE J4100 ANN ARBOR, MI 48105 | SUNLIFE ASSURANCE COMPANY OF CANADA | $0 | $431 | $431 | 1.22% |
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 43604 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 6.50% |
| DAVID FOSTER3 | 3331 SAINT JOHN AVENUE JACKSONVILLE, FL 32205 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $950 | $0 | $950 | 3.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 TPA | Claims processing Service code 12 | — | $218K |
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 | 228 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 25 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 254 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 228 | $416K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 231 | $27K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 228 | $416K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 228 | $416K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 228 | $416K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 208 | $729K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 228 | $451K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 231 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.