| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT A KELLEHER3 Filed as: ROBERT KELLEHER | 2401 W BIG BEAVER RD STE 400 TROY, MI 480848084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $62K | — | $62K | 4.79% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 220 PARK ST STE 2 BIRMINGHAM, MI 480098009 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $1K | $1K | 0.08% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | MICHAEL STOREY 811 MADISON AVE TOLEDO, OH 43604 | DELTA DENTAL OF MICHIGAN | $7K | — | $7K | 12.27% |
| HYLANT GROUP INC3 | 24 FRANK LLOYD WRIGHT DRIVE PO BOX 541 STE J4100 ANN ARBOR, MI 48106 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $1K | $5K | 19.98% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALITY BENEFITS LLC | 1828 WALNUT STREET SUITE 801 KANSAS CITY, MO 64108 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 5.00% |
| HYLANT GROUP INC3 | 24 FRANK LLOYD WRIGHT DRIVE PO BOX 541 STE J4100 ANN ARBOR, MI 48106 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $549 | $3K | 19.15% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALITY BENEFITS LLC | 1828 WALNUT STREET SUITE 801 KANSAS CITY, MO 64108 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $662 | — | $662 | 5.00% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | PO BOX 1687 TOLEDO, OH 436061687 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $894 | — | $894 | 10.12% |
| HYLANT GROUP INC3 | 24 FRANK LLOYD WRIGHT DRIVE PO BOX 541 STE J4100 ANN ARBOR, MI 48106 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $448 | $119 | $567 | 22.79% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALITY BENEFITS LLC | 1828 WALNUT STREET SUITE 801 KANSAS CITY, MO 64108 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $50 | — | $50 | 2.01% |
| HYLANT GROUP INC3 | 24 FRANK LLOYD WRIGHT DRIVE PO BOX 541 STE J4100 ANN ARBOR, MI 48106 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $244 | $63 | $307 | 18.89% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALITY BENEFITS LLC | 1828 WALNUT STREET SUITE 801 KANSAS CITY, MO 64108 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $81 | — | $81 | 4.98% |
| HYLANT GROUP INC3 | 24 FRANK LLOYD WRIGHT DRIVE PO BOX 541 STE J4100 ANN ARBOR, MI 48106 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $164 | $205 | $369 | 40.55% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALITY BENEFITS LLC | 1828 WALNUT STREET SUITE 801 KANSAS CITY, MO 64108 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $18 | — | $18 | 1.98% |
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 | 90 | 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) | 90 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 155 | $1.3M |
| Dental | DELTA DENTAL OF MICHIGAN | 132 | $54K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 117 | $9K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 107 | $26K |
| Short-term disability(3 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 107 | $17K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 155 | $1.3M |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 107 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 155 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.