| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 43604 | METLIFE | — | $73 | $73 | 0.03% |
| WRAITH, SCARLETT & RANDOLPH3 Filed as: WRAITH SCARLETT & RANDOLPH INS | 622 MAIN STREET WOODLAND, CA 95695 | UNUM | $7K | — | $7K | 5.58% |
| HYLANT GROUP INC3 | 2401 W. BIG BEAVER 400 TROY, MI 48084 | UNUM | $1K | $633 | $2K | 1.55% |
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 | 322 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 324 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER PERMANENTE | 554 | $4.7M |
| Dental | METLIFE | 1,129 | $274K |
| Vision | VSP | 276 | $45K |
| Life insurance | UNUM | 322 | $120K |
| Long-term disability | UNUM | 322 | $120K |
| Prescription drug(3 contracts, 3 carriers) | KAISER PERMANENTE | 554 | $4.7M |
| Other(2 contracts, 2 carriers) | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN, INC. | 322 | $800K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,129 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.