| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 43604 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $61K | $61K | 2.56% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | PO BOX 2412 DAYTONA BEACH, FL 32115 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $58K | $58K | 2.43% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC | PO BOX 2412 SUITE 550 DAYTONA BEACH, FL 32115 | MUTUAL OF OMAHA INSURANCE COMPANY | $14K | $7K | $21K | 11.17% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 811 MADISON AVE SUITE 550 TOLEDO, OH 43604 | MUTUAL OF OMAHA INSURANCE COMPANY | $14K | $0 | $14K | 7.54% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC | 220 S RIDGEWOOD AVE SUITE 550 DAYTONA BEACH, FL 32114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $7K | $12K | 11.78% |
| HYLANT GROUP INC3 | 811 MADISON AVE SUITE 550 TOLEDO, OH 43604 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 5.04% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC - DAYTONA | 220 S RIDGEWOOD AVE PO BOX 2412 DAYTONA BEACH, FL 32115 | HUMANA INC | $2K | $0 | $2K | 8.55% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC | 220 S RIDGEWOOD AVE DAYTONA BEACH, FL 32114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $833 | $1K | $2K | 10.71% |
| HYLANT GROUP INC3 | 811 MADISON AVE SUITE 550 TOLEDO, OH 43604 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $890 | $0 | $890 | 5.16% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPLOYEE BENEFITS CORPORATION EIN 39-2044064 | Claims processing; Contract Administrator Service code 12 | PO BOX 44347 MADISON, WI 53744 | $0 |
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 | 268 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 269 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 414 | $2.6M |
| Dental(3 contracts, 2 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 268 | $313K |
| Vision(2 contracts, 2 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 268 | $212K |
| Life insurance | MUTUAL OF OMAHA INSURANCE COMPANY | 268 | $191K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 268 | $191K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 268 | $191K |
| Prescription drug(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 414 | $2.6M |
| Other | MUTUAL OF OMAHA INSURANCE COMPANY | 268 | $191K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 414 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.