| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HYLANT GROUP INC3 Filed as: HYLANT | 8 CADILLAC DRIVE SUITE 230 BRENTWOOD, TN 37027 | UNITED HEALTHCARE SERVICES COMPANY OF RIVER VALLEY, INC | — | $30K | $30K | 3.10% |
| HEMB INSURANCE GROUP LLC3 | 2801 COHO ST. SUITE 200 MADISON, WI 53713 | DEAN HEALTH PLAN, INC | $15K | — | $15K | 1.99% |
| HYLANT GROUP INC3 Filed as: HYLANT | 8 CADILLAC DRIVE SUITE 230 BRENTWOOD, TN 37027 | GUARDIAN LIFE INSURANCE COMPANY | $22K | — | $22K | 10.43% |
| HYLANT GROUP INC3 Filed as: HYLANT | 8 CADILLAC DRIVE SUITE 230 BRENTWOOD, TN 37027 | GUARDIAN LIFE INSURANCE COMPANY | $1K | — | $1K | 10.02% |
| THE MATHIS-HILL-ROBERTSON AGENCY3 | 5040 ROSWELL ROAD #100 ATLANTA, GA 30342 | GUARDIAN LIFE INSURANCE COMPANY | $23 | — | $23 | 0.19% |
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 | 268 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 268 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTHCARE SERVICES COMPANY OF RIVER VALLEY, INC | 268 | $1.7M |
| Dental(2 contracts) | GUARDIAN LIFE INSURANCE COMPANY | 43 | $222K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY | 0 | $210K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY | 0 | $210K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY | 0 | $210K |
| Long-term disability(2 contracts) | GUARDIAN LIFE INSURANCE COMPANY | 43 | $222K |
| Other | GUARDIAN LIFE INSURANCE COMPANY | 0 | $210K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 268 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.