| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 811 MADISON AVENUE TOLEDO, OH 43604 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $12K | $94K | $106K | 6.11% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 811 MADISON AVENUE TOLEDO, OH 43604 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | $0 | $10K | 10.00% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 811 MADISON AVENUE TOLEDO, OH 43604 | VISION SERVICE PLAN | $2K | $0 | $2K | 10.17% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 811 MADISON AVENUE TOLEDO, OH 43604 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 11.80% |
| KAREN J. MITRANO3 | 2819 EAGLE LAKE DRIVE ORLANDO, FL 32837 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 8.56% |
| DH2 ENTERPRISES INC3 Filed as: DH2 ENTERPRISES INC. | 7802 KINGSPOINTE PARKWAY SUITE 208A ORLANDO, FL 32819 | CONTINENTAL AMERICAN INSURANCE COMPANY | $215 | $0 | $215 | 1.41% |
| ANDREW CONNORS3 | 3448 WILLIS DRIVE TIMSVILLE, FL 32796 | CONTINENTAL AMERICAN INSURANCE COMPANY | $110 | $0 | $110 | 0.72% |
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 | 127 | 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) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 205 | $1.7M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 205 | $1.7M |
| Vision | VISION SERVICE PLAN | 127 | $24K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 127 | $105K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 127 | $105K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 127 | $105K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 205 | $1.7M |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 127 | $120K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 205 | — |
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.