| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HYLANT GROUP INC3 Filed as: HYLAND GROUP, INCORPORATED | 811 MADISON AVENUE TOLDEO, OH 43604 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $34K | — | $34K | 3.50% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF SOUTH CAROLINA | POST OFFICE BOX 198 GREER, SC 29652 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $69 | — | $69 | 0.01% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INCORPORATED | 811 MADISON AVENUE TOLEDO, OH 43604 | AFLAC | $31K | $3K | $34K | 110.00% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 811 MADISON AVE TOLEDO, OH 43604 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 12.23% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 811 MADISON AVE TOLEDO, OH 43604 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 12.35% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 811 MADISON AVE TOLEDO, OH 43604 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 11.26% |
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 | 204 | 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) | 204 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 170 | $962K |
| Dental | AFLAC | 333 | $31K |
| Vision | AFLAC | 333 | $31K |
| Life insurance | CONTINENTAL AMERICAN INSURANCE COMPANY | 329 | $22K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 142 | $31K |
| Long-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 126 | $23K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 170 | $962K |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 329 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 333 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.