| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC | 811 MADISON AVE TOLEDO, OH 43603 | SUN LIFE ASSURANCE COMPANY OF CANADA | $68K | $0 | $68K | 10.47% |
| UTIC INSURANCE COMPANY3 | 450 RIVERCHASE PKWY E BIRMINGHAM, AL 35244 | SUN LIFE ASSURANCE COMPANY OF CANADA | $68K | $0 | $68K | 10.47% |
| HYLANT GROUP INC3 | 24 FRANK LLOYD WRIGHT DR SUITE J4100 ANN ARBOR, MI 48105 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $7K | $7K | 1.14% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC | 811 MADISON AVE TOLEDO, OH 43603 | AMERICAN UNITED LIFE INSURANCE COMPANY | $60K | $0 | $60K | 15.00% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC | 811 MADISON AVE TOLEDO, OH 43603 | VSP | $4K | $0 | $4K | 11.71% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BLUE CROSS BLUE SHIELD OF ALABAMA | 450 RIVERCHASE PARKWAY E HOOVER, AL 352442858 | VSP | $0 | $12 | $12 | 0.03% |
| JANE A. WHITE3 Filed as: JANE A WHITE | 106 7TH STREET N SUITE C CORDELE, GA 31010 | ALLSTATE BENEFITS | $1K | $0 | $1K | 5.66% |
| THE EVERETTE GROUP, LLC3 Filed as: THE EVERETTE GROUP LLC | 4251 GOVERNMENT BLVD MOBILE, AL 36693 | ALLSTATE BENEFITS | $667 | $0 | $667 | 2.59% |
| JANE WHITE3 | PO BOX 5766 CORDELE, GA 31010 | ALLSTATE BENEFITS | $401 | $0 | $401 | 1.55% |
| OWENS WILLIAM HAROLD3 Filed as: OWENS WILLIAMS HAROLD | PO BOX 1002 CORDELE, GA 31010 | ALLSTATE BENEFITS | $149 | $0 | $149 | 0.58% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFIT LLC | 1166 AVE OF AMERICAS 22F NEW YORK, NY 100360000 | FEDERAL INSURANCE COMPANY | $3K | $0 | $3K | 25.00% |
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 | 326 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 328 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VSP | 323 | $36K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 326 | $397K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 326 | $397K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 326 | $397K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 326 | $651K |
| Other(7 contracts, 6 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 718 | $5.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 718 | — |
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.