| 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 | $21K | — | $21K | 8.78% |
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 43604 | SUN LIFE ASSURANCE COMPANY OF CANADA | $16K | — | $16K | 8.00% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 8 CADILLAC DR STE 230 BRENTWOOD, TN 37027 | DELTA DENTAL OF MICHIGAN | $416 | — | $416 | 0.80% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 8 CADILLAC DR STE 230 BRENTWOOD, TN 37027 | DELTA DENTAL OF MICHIGAN | $1K | — | $1K | 8.89% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHGIAN EIN 38-2069753 TPA | Contract Administrator; Consulting (general); Insurance services; Direct payment from the plan; Float revenue; Claims processing; Other fees; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $442K |
| CHRISTINE MAREK AGENCY | Other commissions; Insurance agents and brokers; Non-monetary compensation; Other fees; Insurance brokerage commissions and fees Service code 22 | 2401 W BIG BEAVER STE 400 TROY, MI 48084 | $15K |
| HYLANT GROUP INC ANN ARBOR AGENCY | Insurance brokerage commissions and fees; Non-monetary compensation; Other commissions; Insurance agents and brokers; Other fees Service code 22 | PO BOX 541 ANN ARBOR, MI 48106 | $4K |
| BLUE CROSS BLUE SHIELD OF MICHIGAN | Non-monetary compensation Service code 56 | — | $2K |
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 | 472 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 479 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(3 contracts) | DELTA DENTAL OF MICHIGAN | 919 | $302K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 472 | $203K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 472 | $203K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 472 | $203K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 475 | $224K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 919 | — |
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.