| 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 | HARTFORD LIFE AND ACCIDENT | $38K | $10K | $48K | 18.95% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 811 MADISON AVENUE TOLEDO, OH 43604 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $5K | $21K | 12.81% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 811 MADISON AVENUE TOLEDO, OH 43604 | HUMANA INSURANCE COMPANY | $2K | $0 | $2K | 7.59% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 811 MADISON AVENUE TOLEDO, OH 43604 | METLIFE LEGAL PLANS OF FLORIDA | $1K | $785 | $2K | 13.55% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 220 SOUTH RIDGEWOOD AVENUE DAYTONA BEACH, FL 32114 | METLIFE LEGAL PLANS OF FLORIDA | $0 | $331 | $331 | 2.02% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 8 CADILLAC DRIVE, SUITE 230 BRENTWOOD, TN 37027 | METLIFE LEGAL PLANS OF FLORIDA | $0 | $181 | $181 | 1.11% |
| UNKNOWN3 | UNKNOWN JACKSONVILLE, FL 32256 | METROPOLITAN FAMILY SERVICES | $170 | $0 | $170 | 5.01% |
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 | 334 | 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) | 334 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 732 | $166K |
| Vision | HUMANA INSURANCE COMPANY | 215 | $28K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 334 | $253K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 334 | $253K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 334 | $253K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 334 | $273K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 732 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.