| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HYLANT GROUP INC3 | 85 CAMPAU AVE NW STE 100 GRAND RAPIDS, MI 49503 | DELTA DENTAL OF WISCONSIN | $2K | — | $2K | 4.08% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC | 85 CAMPAU AVE NW STE 100 GRAND RAPIDS, MI 49503 | DELTA DENTAL OF WISCONSIN | $2K | — | $2K | 4.99% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP INC. | 85 CAMPAU AVE NW STE 100 GRAND RAPIDS, MI 49503 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $1K | $5K | 16.93% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP INC SUPPLEMENTAL | PO BOX 541 STE J4100, 24 FRANK LLOY ANN ARBOR, MI 48106 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | — | $0 | 0.00% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 811 MADISON AVE TOLEDO, OH 43603 | VISION SERVICE PLAN | $2K | — | $2K | 14.90% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 811 MADISON AVE TOLEDO, OH 43604 | LUCENT HEALTH | $22K | $44K | $66K | — |
| LUCENT HEALTH SOLUTIONS0 | 5560 W GRANDE MARKET DR. APPLETON, WI 54913 | LUCENT HEALTH | — | $38K | $38K | — |
| HS TECHNOLOGY SOLUTIONS0 Filed as: HS TECHNOLOGY | 3857 BIRCH ST. SUITE 586 NEWPORT BEACH, CA 92660 | LUCENT HEALTH | — | $14K | $14K | — |
| NARUS HEALTH INC.0 Filed as: NARUS HEALTH | 424 CHURCH ST, SUITE 2300 NASHVILLE, TN 37219 | LUCENT HEALTH | — | $6K | $6K | — |
| MEDWATCH LLC0 Filed as: MEDWATCH | PO BOX 21796 TAMPA, FL 33630 | LUCENT HEALTH | — | $5K | $5K | — |
| HEALTH SMART PREFERRED NETWORK0 Filed as: HEALTH SMART | PO BOX 207102 DALLAS, TX 75320 | LUCENT HEALTH | — | $4K | $4K | — |
| ZELIS CLAIMS INTEGRITY INC0 Filed as: ZELIS CLAIMS INTEGRITY | 2 CROSSROADS DRIVE BEDMINSTER, NJ 07921 | LUCENT HEALTH | — | $168 | $168 | — |
| PHCS0 Filed as: HEALTHEOS | PO BOX 29380 NEW YORK, NY 10087 | LUCENT HEALTH | — | $161 | $161 | — |
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 | 114 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | LUCENT HEALTH | 102 | $0 |
| Dental(2 contracts) | DELTA DENTAL OF WISCONSIN | 71 | $85K |
| Vision | VISION SERVICE PLAN | 114 | $12K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 126 | $28K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 126 | $28K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE COLUMBIA, SC | 107 | $185K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 126 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 126 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.