| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HYLANT GROUP INC3 Filed as: HYLANT GROUP INC. | 811 MADISON AVENUE TOLEDO, OH 43604 | DELTA DENTAL OF MICHIGAN | $24K | $0 | $24K | 9.98% |
| HYLANT GROUP INC3 | 5210 BELFORT ROAD, SUITE 405 JACKSONVILLE, FL 32256 | HARTFORD LIFE AND ACCIDENT | $23K | $0 | $23K | 13.88% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP INC. | 10401 NORTH MERIDIAN, SUITE 200 CARMEL, IN 46290 | HARTFORD LIFE AND ACCIDENT | $0 | $2K | $2K | 1.03% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP INC. | 811 MADISON AVENUE TOLEDO, OH 43604 | THE GUARDIAN LIFE INSURANCE COMPANY | $10K | $3K | $13K | 14.45% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP INC. | 811 MADISON AVENUE TOLEDO, OH 43604 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $0 | $10K | 11.94% |
| 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 | $2K | $0 | $2K | 2.50% |
| NORTH AMERICAN PENSION SERVICES LTD3 | 2542 SOUTH ROCHESTER ROAD ROCHESTER HILLS, MI 48307 | METROPOLITAN LIFE INSURANCE COMPANY | $6 | $0 | $6 | 0.01% |
| LINTON F BANWELL3 | 2542 SOUTH ROCHESTER ROAD ROCHESTER, MI 48307 | METROPOLITAN LIFE INSURANCE COMPANY | $2 | $0 | $2 | 0.00% |
| UNKNOWN3 | UNKNOWN BLOOMFIELD HILLS, MI 48303 | METROPOLITAN FAMILY SERVICES | $146 | $0 | $146 | 4.99% |
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 | 311 | 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) | 311 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 505 | $239K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY | 239 | $93K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 311 | $253K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 311 | $167K |
| Other(4 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 311 | $349K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 505 | — |
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.