| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HYLANT GROUP INC3 | STE 400 2401 W BIG BEAVER RD TROY, MI 48084 | FIRST UNUM LIFE INSURANCE COMPANY | $19K | $3K | $23K | 10.87% |
| HYLANT GROUP INC3 | STE 400 2401 W BIG BEAVER RD TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $2K | $13K | 11.79% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 811 MADISON AVENUE TOLEDO, OH 43604 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $3K | $475 | $3K | 9.85% |
| HYLANT GROUP INC3 Filed as: HYALNT GROUP INC | STE 400 2401 W BIG BEAVER RD TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $35 | $8K | 50.53% |
| HYLANT GROUP INC3 | STE 400 2401 W BIG BEAVER RD TROY, MI 48084 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $16 | $4K | 39.51% |
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 | 379 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 390 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 126 | $62K |
| Life insurance(3 contracts, 3 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 379 | $332K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 379 | $210K |
| Other(4 contracts, 3 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 379 | $371K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 379 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.