| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HYLANT GROUP INC3 | 565 METRO PLACE SOUTH SUITE 450 DUBLIN, OH 43017 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $27K | $27K | 0.43% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD COMPANY | 1100 SUPERIOR AVENUE EAST SUITE 1500 CLEVELAND, OH 44114 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | -$16 | -$16 | -0.00% |
| HYLANT GROUP INC3 | 811 MADISON AVENUE TOLEDO, OH 43604 | PRINCIPAL LIFE INSURANCE COMPANY | $64K | $0 | $64K | 8.46% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 8 CADILLAC DRIVE SUITE 230 BRENTWOOD, TN 37027 | DELTA DENTAL OF OHIO | $6K | $0 | $6K | 1.82% |
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 | 1,271 | 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) | 1,271 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,383 | $6.3M |
| Dental | DELTA DENTAL OF OHIO | 1,419 | $357K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 1,687 | $752K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 1,687 | $752K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 1,687 | $752K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 1,687 | $752K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 1,383 | $6.3M |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,687 | $7.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,687 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.