| 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 | $19K | — | $19K | 7.56% |
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 43604 | SUN LIFE ASSURANCE COMPANY OF CANADA | $18K | $824 | $19K | 8.36% |
| HYLANT GROUP INC3 | 24 FRANK LLOYD WRIGHT DR ANN ARBOR, MI 48105 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $6K | $6K | 2.81% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 8 CADILLAC DR STE 230 BRENTWOOD, TN 37027 | DELTA DENTAL OF MICHIGAN | $4K | — | $4K | 7.53% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 8 CADILLAC DR STE 230 BRENTWOOD, TN 37027 | DELTA DENTAL OF MICHIGAN | $1K | — | $1K | 7.64% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 TPA | Other fees; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Direct payment from the plan; Non-monetary compensation; Consulting (general); Insurance services; Contract Administrator; Claims processing Service code 12 | — | $342K |
| HYLANT GROUP INC ANN ARBOR AGENCY | Non-monetary compensation; Insurance agents and brokers; Insurance brokerage commissions and fees; Other fees; Other commissions Service code 22 | PO BOX 541 ANN ARBOR, MI 48106 | $7K |
| CHRISTINE MAREK AGENCY | Other fees; Insurance agents and brokers; Other commissions; Insurance brokerage commissions and fees; Non-monetary compensation Service code 22 | 2401 W BIG BEAVER STE 400 TROY, MI 48084 | $1K |
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 | 517 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 523 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(3 contracts) | DELTA DENTAL OF MICHIGAN | 982 | $315K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 517 | $228K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 517 | $228K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 517 | $228K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 517 | $248K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 982 | — |
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.