| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HYLANT GROUP INC3 | 8 CADILLAC DRIVE, SUITE 230 BRENTWOOD, TN 37027 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $32K | $32K | 3.15% |
| HYLANT GROUP INC3 | 811 MADISON AVENUE TOLEDO, OH 43604 | SUN LIFE ASSURANCE COMPANY OF CANADA | $9K | $355 | $10K | 10.78% |
| HYLANT GROUP INC3 | 24 FRANK LLOYD WRIGHT DRIVE ANN ARBOR, MI 48105 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $4K | $4K | 4.49% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 811 MADISON AVENUE TOLEDO, OH 43604 | UNION SECURITY INSURANCE COMPANY | $7K | $0 | $7K | 10.00% |
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 | 139 | 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) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 226 | $1.0M |
| Dental | UNION SECURITY INSURANCE COMPANY | 95 | $69K |
| Vision | UNION SECURITY INSURANCE COMPANY | 95 | $69K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 139 | $89K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 139 | $89K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 226 | $1.0M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 139 | $89K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 226 | — |
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.
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.