| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC | 811 MADISON AVE TOLEDO, OH 43604 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | $29K | $34K | 4.10% |
| THE ENTERPRISE TEAM, INC.3 Filed as: THE ENTERPRISE TEAM | PO BOX 195579 WINTER SPRINGS, FL 32719 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | $9K | $11K | 1.33% |
| HYLANT GROUP INC3 | 8 CADILLAC DRIVE SUITE 230 BRENTWOOD, TN 37027 | THE GUARDIAN LIFE INSURANCE COMPANY | $7K | $4K | $10K | 16.86% |
| MARK S METTILLE3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE GUARDIAN LIFE INSURANCE COMPANY | $5K | $0 | $5K | 8.00% |
| UNITED BENEFIT ADVISORS OF FLORIDA3 | 9432 BAYMEADOWS ROAD STE 260 JACKSONVILLE, FL 32256 | THE GUARDIAN LIFE INSURANCE COMPANY | $737 | $0 | $737 | 1.20% |
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 | 145 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 106 | $828K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 106 | $828K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY | 145 | $61K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY | 145 | $61K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY | 145 | $61K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY | 145 | $61K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY | 145 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 145 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.