| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 8 CADILLAC DRIVE, SUITE 230 BRENTWOOD, TN 37027 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $21K | $21K | 3.02% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES, LLC | 501 1ST STREET SE CEDAR RAPIDS, IA 52401 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $17K | $17K | 2.43% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 811 MADISON AVENUE TOLEDO, OH 43604 | AMERICAN UNITED LIFE INSURANCE COMPANY | $8K | $8K | $16K | 16.69% |
| FIRST MAINSTREET INSURANCE3 | 7003 CHADWICK DRIVE, SUITE 321 BRENTWOOD, TN 37027 | AMERICAN UNITED LIFE INSURANCE COMPANY | $7K | $0 | $7K | 7.10% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 811 MADISON AVENUE TOLEDO, OH 43604 | AMERITAS LIFE INSURANCE CORPORATION | $2K | $0 | $2K | 5.13% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES, LLC | PO BOX 1863 CEDAR RAPIDS, IA 52406 | AMERITAS LIFE INSURANCE CORPORATION | $2K | $0 | $2K | 4.87% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 8 CADILLAC DRIVE, SUITE 230 BRENTWOOD, TN 37027 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $8K | $0 | $8K | 25.75% |
| DEBBIE PERKINS3 | 9655 BRUNSWICK DRIVE BRENTWOOD, TN 37027 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $986 | $5K | 15.29% |
| LYNN MARIE BARRY3 | PO BOX 1287 LANGHORNE, PA 19047 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $1K | $3K | 8.22% |
| LISA JENNETTE UNDERHILL3 | 1296 RED OAK DRIVE BRENTWOOD, TN 37027 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $8 | $2K | 6.09% |
| WILLIAM RICHARD KYZER3 | 8211 GORDON LANE HERMITAGE, TN 37076 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $223 | $2K | 4.82% |
| DANIEL JAMES PERKINS3 | 9655 BRUNSWICK DRIVE BRENTWOOD, TN 37027 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 4.16% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: ADAM IRA BROWN AND OTHER AGENTS | 70 NE 7TH AVENUE, SUITE 6 FORT LAUDERDALE, FL 33304 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $311 | $66 | $377 | 1.17% |
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 | 110 | 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) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 144 | $705K |
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 147 | $42K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 147 | $42K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 110 | $95K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 110 | $95K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 110 | $95K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 144 | $705K |
| Other(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 110 | $127K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 147 | — |
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.