| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 811 MADISON AVENUE TOLEDO, OH 43604 | DELTA DENTAL OF MICHIGAN | $25K | $4K | $29K | 11.42% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 5210 BELFORT ROAD, SUITE 405 JACKSONVILLE, FL 32256 | HARTFORD LIFE AND ACCIDENT | $22K | $0 | $22K | 16.36% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 811 MADISON AVENUE TOLEDO, OH 43604 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $0 | $12K | 13.54% |
| CRUMP LIFE INSURANCE SERVICES3 Filed as: CRUMP LIFE INSURANCE SERVICES, INC. | 280 SOUTH 400 WEST, SUITE 100 SALT LAKE CITY, UT 84101 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 2.81% |
| NORTH AMERICAN PENSION SERVICES LTD3 | 2542 SOUTH ROCHESTER ROAD ROCHESTER HILLS, MI 48307 | METROPOLITAN LIFE INSURANCE COMPANY | $55 | $0 | $55 | 0.06% |
| LINTON F BANWELL3 Filed as: LINTON F. BANWELL | 2542 SOUTH ROCHESTER ROAD ROCHESTER, MI 48307 | METROPOLITAN LIFE INSURANCE COMPANY | $8 | $0 | $8 | 0.01% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 811 MADISON AVENUE TOLEDO, OH 43604 | THE GUARDIAN LIFE INSURANCE COMPANY | $9K | $0 | $9K | 11.16% |
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 | 306 | 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) | 306 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 502 | $250K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY | 235 | $79K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 306 | $137K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 306 | $137K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 306 | $308K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 502 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.