| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 8 CADILLAC DR STE 230 BRENTWOOD, TN 37027 | DELTA DENTAL OF MICHIGAN | $23K | — | $23K | 1.43% |
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 43604 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $45K | $23K | $68K | 12.14% |
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 43604 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $29K | $12K | $41K | 16.99% |
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 43604 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $16K | $11K | $28K | 13.44% |
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 43604 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $3K | $9K | 11.84% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | 580 NORTH 4TH ST. 400 COLUMBUS, OH 43215 | FEDERAL INSURANCE COMPANY | $3K | $88 | $3K | 15.43% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 TPA | Contract Administrator; Direct payment from the plan; Consulting (general); Other fees; Non-monetary compensation; Claims processing; Insurance services; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $1.5M |
| CIGNA BEHAVORIAL HEALTH EIN 41-1648670 CONTRACT W/ER FOR EAP | Participant communication; Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | — | $23K |
| CHRISTINE MAREK BROKER | Other commissions; Insurance brokerage commissions and fees; Insurance agents and brokers; Other fees; Non-monetary compensation Service code 22 | HYLANT GROUP INC 2401 W BIG BEAVER STE 400 TROY, MI 48084 | $0 |
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 | 1,569 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 42 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,611 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 4,210 | $1.6M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,569 | $562K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 279 | $206K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,017 | $243K |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,569 | $661K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,210 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.