| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 24 FRANK LLOYD WRIGHT DRIVE SUITE J4100 ANN ARBOR, MI 48105 | SYMETRA LIFE INSURANCE COMPANY | $139K | $32K | $171K | 11.93% |
| CONE W. LIGHTHALL3 | 2401 WEST BIG BEAVER ROAD SUITE 400 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $9K | $0 | $9K | 1.27% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 811 MADISON AVENUE TOLEDO, OH 43604 | DELTA DENTAL OF MICHIGAN | $985 | $0 | $985 | 4.91% |
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 | 3,056 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 39 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 441 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,536 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CARE NETWORK OF MICHIGAN | 100 | $719K |
| Dental | DELTA DENTAL OF MICHIGAN | 104 | $20K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 2,889 | $1.4M |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 2,889 | $1.4M |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 2,889 | $1.4M |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 100 | $719K |
| Other | SYMETRA LIFE INSURANCE COMPANY | 2,889 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,889 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.