| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 5210 BELFORT ROAD, SUITE 405 JACKSONVILLE, FL 32256 | STANDARD INSURANCE COMPANY | $319K | $40K | $359K | 13.43% |
| WINGATE INSURANCE GROUP, INC.3 | 155 PROFESSIONAL DRIVE PONTE VEDRA BEACH, FL 32082 | STANDARD INSURANCE COMPANY | $34K | $34K | $68K | 2.54% |
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH BENEFIT SOLUTIONS, LLC | 18940 NORTH PIMA ROAD, SUITE 200 SCOTTSDALE, AZ 85255 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $93K | $157K | $251K | 13.43% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 811 MADISON AVENUE TOLEDO, OH 43604 | HUMANA INSURANCE COMPANY | $4K | — | $4K | 1.48% |
| CREATIVE WORKSITE SOLUTIONS LLC3 Filed as: CREATIVE WORKSITE SOLUTIONS, LLC | 3404 SALTERBECK COURT, SUITE 207 MT PLEASANT, SC 29466 | RELIASTAR LIFE INSURANCE COMPANY | $27K | $14K | $41K | 15.00% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | PO BOX 1687 TOLEDO, OH 43603 | RELIASTAR LIFE INSURANCE COMPANY | $31K | $0 | $31K | 11.43% |
| BENEFITFOCUS.COM, INC.3 Filed as: BENEFITFOCUS COM, INC. | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $11K | $11K | 4.12% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 10401 NORTH MERIDIAN STREET SUITE 200 CARMEL, IN 46290 | TRANSAMERICA LIFE INSURANCE COMPANY | $67K | — | $67K | 32.66% |
| WINGATE INSURANCE GROUP, INC.3 | 155 PROFESSIONAL DRIVE PONTE VEDRA BEACH, FL 32082 | TRANSAMERICA LIFE INSURANCE COMPANY | $25K | $0 | $25K | 12.24% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 811 MADISON AVENUE TOLEDO, OH 43604 | ARAG INSURANCE COMPANY | $9K | $0 | $9K | 9.25% |
| WINGATE INSURANCE GROUP, INC.3 | 155 PROFESSIONAL DRIVE PONTE VEDRA BEACH, FL 32082 | ARAG INSURANCE COMPANY | $727 | $0 | $727 | 0.75% |
| WINGATE INSURANCE GROUP, INC.3 | 155 PROFESSIONAL DRIVE PONTE VEDRA BEACH, FL 32082 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $998 | $4K | 752.70% |
| BENEFITSTORE INC3 | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $832 | $832 | 144.70% |
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 | 3,585 | 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. |
| Total participants (= "Plan participants" tile) | 3,585 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAPITAL HEALTH PLAN | 3,926 | $38.3M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 3,149 | $1.9M |
| Vision | HUMANA INSURANCE COMPANY | 1,989 | $287K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 3,585 | $2.9M |
| Short-term disability | STANDARD INSURANCE COMPANY | 3,585 | $2.7M |
| Long-term disability | STANDARD INSURANCE COMPANY | 3,585 | $2.7M |
| Prescription drug | CAPITAL HEALTH PLAN | 3,926 | $38.3M |
| Other(4 contracts, 4 carriers) | STANDARD INSURANCE COMPANY | 3,585 | $3.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,926 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.