| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HYLANT GROUP INC3 | 811 MADISON AVENUE TOLEDO, OH 43604 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $12K | $107K | $118K | 6.05% |
| HYLANT GROUP INC3 | 811 MADISON AVENUE TOLEDO, OH 43604 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | $0 | $13K | 10.00% |
| HYLANT GROUP INC3 | 811 MADISON AVENUE TOLEDO, OH 43604 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.52% |
| HYLANT GROUP INC3 | 811 MADISON AVENUE TOLEDO, OH 43604 | CONTINENTAL AMERICAN INSURANCE COMPANY | $961 | $0 | $961 | 17.45% |
| KAREN J. MITRANO3 Filed as: KAREN MITRANO | 2819 EAGLE LAKE DRIVE ORLANDO, FL 32837 | CONTINENTAL AMERICAN INSURANCE COMPANY | $643 | $0 | $643 | 11.67% |
| DH2 ENTERPRISES INC3 | 7802 KINGSPOINTE PARKWAY SUITE 208A ORLANDO, FL 32819 | CONTINENTAL AMERICAN INSURANCE COMPANY | $153 | $0 | $153 | 2.78% |
| ANDREW CONNORS3 | 3448 WILLIS DRIVE TITUSVILLE, FL 32796 | CONTINENTAL AMERICAN INSURANCE COMPANY | $75 | $0 | $75 | 1.36% |
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 | 119 | 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) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 148 | $2.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 148 | $2.0M |
| Vision | VISION SERVICE PLAN | 88 | $20K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 119 | $133K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 119 | $133K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 119 | $133K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 148 | $2.0M |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 119 | $138K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 148 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.