| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. / JAMES KENYON | 811 MADISON AVE TOLEDO, OH 43604 | DELTA DENTAL OF MICHIGAN | $8K | — | $8K | 2.99% |
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 436045684 | METROPOLITAN LIFE INSURANCE COMPANY | $24K | $13 | $24K | 16.40% |
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 436045684 | METROPOLITAN LIFE INSURANCE COMPANY | — | $180 | $180 | 0.12% |
| HYLANT GROUP INC | 85 CAMPAU AVE NW SUITE 100 GRAND RAPIDS, MI 49503 | EYEMED VISION CARE | $5K | — | $5K | 9.84% |
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 436045684 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 436045684 | METROPOLITAN LIFE INSURANCE COMPANY | $332 | $844 | $1K | 3.00% |
| HYLANT GROUP INC Filed as: HYLANT GROUP | 85 CAMPAU AVE NW SUITE 100 GRAND RAPIDS, MI 49503 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $293 | $293 | 10.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 TPA | Direct payment from the plan; Contract Administrator; Claims processing; Insurance brokerage commissions and fees; Insurance services; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Insurance agents and brokers; Non-monetary compensation; Other fees; Other commissions; Consulting (general) Service code 12 | 600 EAST LAFAYETTE BOULEVARD DETROIT, MI 48226 | $278K |
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 | 425 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 426 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | METROPOLITAN LIFE INSURANCE COMPANY | 276 | $39K |
| Dental | DELTA DENTAL OF MICHIGAN | 902 | $282K |
| Vision | EYEMED VISION CARE | 565 | $51K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 454 | $149K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 454 | $149K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 454 | $152K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 902 | — |
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.