| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 811 MADISON AVENUE TOLEDO, OH 43604 | BLUE CROSS BLUE SHIELD OF FLORIDA | $55K | $0 | $55K | 2.63% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES, INC. | 701 BRICKELL AVENUE, SUITE 3200 MIAMI, FL 33131 | FLORIDA COMBINED LIFE | $17K | $0 | $17K | 10.17% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 811 MADISON AVENUE TOLEDO, OH 43604 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $23K | $4K | $27K | 16.34% |
| PREPARE BENEFITS, LLC3 Filed as: PREPARE BENEFITS LLC | 7157 NARCOOSSEE ROAD, SUITE 1579 ORLANDO, FL 32822 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $7K | $7K | 4.36% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $912 | $912 | 0.55% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES, INC. | PO BOX 955909 SAINT LOUIS, MO 63195 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $66 | $0 | $66 | 0.04% |
| NATIONAL AGENCY SOLUTIONS LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $4K | $0 | $4K | 7.99% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 811 MADISON AVENUE TOLEDO, OH 43604 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $4K | $0 | $4K | 7.00% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 811 MADISON AVENUE TOLEDO, OH 43604 | BLUECROSS BLUESHIELD OF FLORIDA, INC. | $2K | $0 | $2K | 8.71% |
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 | 118 | 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) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 199 | $2.1M |
| Dental | FLORIDA COMBINED LIFE | 214 | $171K |
| Vision | BLUECROSS BLUESHIELD OF FLORIDA, INC. | 175 | $25K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 118 | $165K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 118 | $165K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 118 | $165K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 199 | $2.1M |
| Other(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 199 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 214 | — |
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."
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.