| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 8 CADILLAC DR STE 230 BRENTWOOD, TN 37027 | DELTA DENTAL OF MICHIGAN | $8K | $0 | $8K | 2.72% |
| HYLANT GROUP INC3 | STE 400 2401 W BIG BEAVER RD TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $5K | $5K | 3.60% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP INC SUPPLEMENTAL | PO BOX 541 STE J4100 24 FRANK LLOYD WRIGHT DR ANN ARBOR, MI 48106 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $0 | $0 | 0.00% |
| HYLANT GROUP INC3 | STE 400 2401 W BIG BEAVER RD TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $2K | $2K | 3.29% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP INC SUPPLEMENTAL | PO BOX 541 STE J4100 24 FRANK LLOYD WRIGHT DR ANN ARBOR, MI 48106 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $0 | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 TPA | Insurance services; Other fees; Claims processing; Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Consulting (general); Non-monetary compensation; Float revenue; Contract Administrator Service code 12 | — | $340K |
| CHRISTINE L MAREK BROKER | Insurance agents and brokers; Other commissions; Non-monetary compensation; Insurance brokerage commissions and fees Service code 22 | 2401 W BIG BEAVER STE 400 TROY, MI 48084 | $46K |
| SAGINAW BAY UNDERWRITERS BROKER | Other commissions; Insurance brokerage commissions and fees; Insurance agents and brokers; Non-monetary compensation Service code 22 | 1258 S WASHINGTON SAGINAW, MI 48601 | $8K |
| HYLANT GROUP INC (TROY) BROKER | Other commissions; Non-monetary compensation; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 2401 W BIG BEAVER RD S400 TROY, MI 48084 | $147 |
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 | 421 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 421 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 958 | $295K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 421 | $136K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 421 | $136K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 421 | $136K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 421 | $203K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 958 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.