| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 43604 | HARTFORD FIRE INSURANCE COMPANY | $180 | $60 | $240 | 19.98% |
| STEALTH PARTNER GROUP LLC Filed as: STEALTH PARTNER GROUP, LLC | 18700 N. HAYDEN ROAD SUITE 405 SCOTTSDALE, AZ 85255 | HCC LIFE INSURANCE COMPANY | $19K | — | $19K | — |
| STEALTH PARTNER GROUP LLC Filed as: STEALTH PARTNER GROUP, LLC | 18700 N. HAYDEN ROAD SUITE 405 SCOTTSDALE, AZ 85255 | HCC LIFE INSURANCE COMPANY | $4K | — | $4K | — |
| HYLANT GROUP INC | 811 MADISON AVE TOLEDO, OH 43604 | UNUM INSURANCE COMPANY | $4K | $969 | $5K | — |
| HYLANT GROUP INC Filed as: HYLANT GROUP, INC. | 811 MADISON AVE TOLEDO, OH 43604 | FIRST UNUM LIFE INSURANCE COMPANY | $4K | $444 | $4K | — |
| HYLANT GROUP INC | 811 MADISON AVE TOLEDO, OH 43604 | UNUM INSURANCE COMPANY OF AMERICA | $47K | $11K | $58K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MAGELLAN RX MANAGEMENT, LLC EIN 46-3708039 PHARMACY BENEFIT MGMT | Other fees; Claims processing; Direct payment from the plan Service code 12 | — | $23K |
| DELTA DENTAL OF OHIO EIN 31-0685339 BENEFIT ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $7K |
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 | 301 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 301 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts) | EYEMED VISION CARE | 480 | $0 |
| Life insurance | UNUM INSURANCE COMPANY OF AMERICA | 0 | $0 |
| Short-term disability(4 contracts, 3 carriers) | HARTFORD FIRE INSURANCE COMPANY | 134 | $1K |
| Long-term disability | UNUM INSURANCE COMPANY OF AMERICA | 0 | $0 |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 245 | $0 |
| Other(7 contracts, 5 carriers) | HARTFORD FIRE INSURANCE COMPANY | 134 | $1K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 480 | — |
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.
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.