| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 8 CADILLAC DR STE BRENTWOOD, TN 37027 | DELTA DENTAL OF MICHIGAN | $3K | — | $3K | 0.43% |
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 43604 | METROPOLITAN LIFE INSURANCE COMPANY | $75K | $73 | $75K | 15.55% |
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 43604 | METROPOLITAN LIFE INSURANCE COMPANY | — | $10K | $10K | 1.99% |
| 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; Non-monetary compensation Service code 12 | — | $938K |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 | Contract Administrator; Claims processing Service code 12 | — | $59K |
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 | 1,117 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 2,271 | $695K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,117 | $485K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,117 | $485K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 1,117 | $485K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,271 | — |
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.