| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 811 MADISON AVENUE, 8TH FIOOR TOLEDO, OH 43604 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $103K | $26K | $129K | 9.49% |
| LOCKTON COMPANIES, LLC3 | 3800 COLONNADE PARKWAY, SUITE 150 BIRMINGHAM, AL 35243 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $75K | $0 | $75K | 5.49% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON SPECIALTIES, LLC | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $21K | $21K | 1.55% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.12% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 1025 GREENWOOD BOULEVARD, SUITE 285 LAKE MARY, FL 32746 | RELIASTAR LIFE INSURANCE COMPANY | $22K | $0 | $22K | 10.88% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | RELIASTAR LIFE INSURANCE COMPANY | $21K | $0 | $21K | 10.15% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | PO BOX 1687 TOLEDO, OH 43603 | RELIASTAR LIFE INSURANCE COMPANY | $6K | $0 | $6K | 2.85% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 811 MADISON AVENUE TOLEDO, OH 43604 | ARAG INSURANCE COMPANY | $1K | $0 | $1K | 5.25% |
| LOCKTON COMPANIES, LLC3 | 1111 BRICKELL AVENUE SUITE 2700 MIAMI, FL 33131 | ARAG INSURANCE COMPANY | $1K | $0 | $1K | 4.75% |
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 | 1,455 | 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) | 1,455 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,455 | $1.4M |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,455 | $1.4M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,455 | $1.4M |
| Other(4 contracts, 4 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,455 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,455 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.