| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 85 CAMPAU AVE NW SUITE 100 GRAND RAPIDS, MI 49503 | HCC LIFE INSURANCE COMPANY | $65K | — | $65K | 10.00% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 811 MADISON AVE TOLEDO, OH 43064 | STANDARD INSURANCE COMPANY | $33K | $0 | $33K | 14.53% |
| CENTRO BENEFITS RESEARCH LLC3 | 24500 CHAGRIN BLVD STE 365 BEACHWOOD, OH 44122 | STANDARD INSURANCE COMPANY | $0 | $19K | $19K | 8.11% |
| GOODWILL INDUSTRIES OF GREATER GRAN3 | 3035 PRAIRIE SW GRANDVILLE, MI 49418 | STANDARD INSURANCE COMPANY | $0 | $10K | $10K | 4.26% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 811 MADISON AVE TOLEDO, OH 43604 | DELTA DENTAL | $4K | — | $4K | 2.96% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP - GRAND RAPIDS | 85 CAMPAU AVE NW SUITE 100 GRAND RAPIDS, MI 49503 | EYEMED VISION CARE | $2K | — | $2K | 9.24% |
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 | 156 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HCC LIFE INSURANCE COMPANY | 170 | $654K |
| Dental | DELTA DENTAL | 331 | $122K |
| Vision | EYEMED VISION CARE | 270 | $20K |
| Life insurance | STANDARD INSURANCE COMPANY | 404 | $230K |
| Short-term disability | STANDARD INSURANCE COMPANY | 404 | $230K |
| Long-term disability | STANDARD INSURANCE COMPANY | 404 | $230K |
| Other | STANDARD INSURANCE COMPANY | 404 | $230K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 404 | — |
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.
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.