| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GUYLAINE D DONAVAN3 | 85 CAMPAU AVE. SUITE 100 GRAND RAPIDS, MI 49503 | BLUE CARE NETWORK OF MICHIGAN | $36K | — | $36K | 5.23% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP INC. | 85 CAMPAU WAY STE 100 GRAND RAPIDS, MI 49503 | BLUE CARE NETWORK OF MICHIGAN | — | $426 | $426 | 0.06% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | GUYLAINE DONAVAN 811 MADISON AVE TOLEDO, OH 43604 | DELTA DENTAL OF MICHIGAN | $3K | — | $3K | 6.22% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP INC. | 811 MADISON AVE 8TH FL TOLEDO, OH 43604 | HARTFORD LIFE AND ACCIDENT | $5K | — | $5K | 13.07% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP INC. | ATTENTION ACCOUNTING PO BOX 1687 TOLEDO, OH 43603 | HARTFORD LIFE AND ACCIDENT | — | $2K | $2K | 5.56% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 811 MADISON AVE. TOLEDO, OH 43604 | NATIONAL VISION ADMINISTRATORS, LLC | $441 | — | $441 | 9.99% |
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 | 110 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CARE NETWORK OF MICHIGAN | 84 | $684K |
| Dental | DELTA DENTAL OF MICHIGAN | 99 | $40K |
| Vision | NATIONAL VISION ADMINISTRATORS, LLC | 79 | $4K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 110 | $36K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 110 | $36K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 110 | $36K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 84 | $684K |
| Other | HARTFORD LIFE AND ACCIDENT | 110 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 110 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.