| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 8 CADILLAC DR SUITE 230 BRENTWOOD, TN 37027 | DELTA DENTAL OF MICHIGAN | $1K | — | $1K | 0.30% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC | 2401 W BIG BEAVER RD STUITE 400 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $21K | $4K | $24K | 11.60% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 2401 W. BIG BEAVER RD SUITE 400 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $2K | $16K | 12.19% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 811 MADISON AVENUE TOLEDO, OH 43604 | HYATT LEGAL PLANS | $1K | — | $1K | 9.09% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES OF MI | 30150 TELEGRAPH ROAD SUITE 408 BINGHAM FARMS, MI 48025 | HYATT LEGAL PLANS | — | $64 | $64 | 0.40% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 2401 W BIG BEAVER SUITE 400 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY | $4K | $158 | $5K | 72.49% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 2401 W BIG BEAVER SUITE 400 TROY, MI 48084 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $78 | $3K | 81.32% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 TPA | Other fees; Consulting (general); Insurance services; Contract Administrator; Direct payment from the plan; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue Service code 12 | 600 W. LAFAYETTE DETROIT, MI 48226 | $610K |
| HYLANT GROUP INC. | Non-monetary compensation; Other commissions; Insurance brokerage commissions and fees; Other fees; Insurance agents and brokers Service code 22 | — | $96K |
| HYLANT GROUP, INC. EIN 34-1880366 BROKER | Other fees; Insurance brokerage commissions and fees; Non-monetary compensation; Insurance agents and brokers; Other commissions Service code 22 | 2401 W BIG BEAVER SUITE 400 TROY, MI 48084 | $96K |
| EXPRESS SCRIPTS RX DISPENSING FEE | Non-monetary compensation Service code 56 | — | $22K |
| UNUM LIFE INSURANCE COMPANY EIN 01-0278678 TPA | Recordkeeping and information management (computing, tabulating, data processing, etc.); Insurance services; Contract Administrator; Claims processing Service code 12 | — | $8K |
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 | 845 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 1 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 859 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 887 | $349K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 324 | $210K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 324 | $210K |
| Other(5 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 324 | $365K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 887 | — |
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.