| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HYLANT GROUP INC3 Filed as: HYLANT GROUP INC. | 811 MADISON AVE TOLEDO, OH 43604 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $80K | $2K | $82K | 3.08% |
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 43604 | DELTA DENTAL OF MICHIGAN | $14K | — | $14K | 6.00% |
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 43604 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $30K | $5K | $35K | 17.60% |
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 43604 | FSL | $3K | — | $3K | 10.00% |
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 | 242 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 245 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 425 | $2.7M |
| Dental | DELTA DENTAL OF MICHIGAN | 551 | $226K |
| Vision | FSL | 546 | $28K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 229 | $199K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 229 | $199K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 229 | $199K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 425 | $2.7M |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 229 | $199K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 551 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.