| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 85 CAMPAU AVE SUITE 100 GRAND RAPIDS, MI 49503 | BCN SERVICE COMPANY | $8K | — | $8K | 3.90% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 8 CADILLAC DR., STE. 230 BRENTWOOD, TN 37027 | DELTA DENTAL | $4K | — | $4K | 2.97% |
| HYLANT GROUP INC3 | 85 CAMPAU AVE SUITE 100 GRAND RAPIDS, MI 49503 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $2K | $14K | 12.67% |
| RALPH H KEELER3 | 8716 RIVERDALE RD PLATTSMOUTH, NE 68048 | ALLSTATE BENEFITS | $6K | — | $6K | 13.17% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 811 MADISON AVE TOLEDO, OH 43604 | ALLSTATE BENEFITS | $4K | — | $4K | 9.15% |
| ANTHONY C BUECHLER3 | 1203 COLONIAL CIRCLE OMAHA, NE 68046 | ALLSTATE BENEFITS | $2K | — | $2K | 4.15% |
| LOREN HOLSCHER3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | ALLSTATE BENEFITS | $849 | — | $849 | 1.92% |
| SHAWN J KEELER3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | ALLSTATE BENEFITS | $379 | — | $379 | 0.86% |
| WILLIAM FLICKINGER3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | ALLSTATE BENEFITS | $335 | — | $335 | 0.76% |
| KEELER & ASSOCIATES3 Filed as: KEELER & ASSOC. | 2209 1ST AVE PLATTSMOUTH, NE 68048 | ALLSTATE BENEFITS | $213 | — | $213 | 0.48% |
| HYLANT GROUP INC3 Filed as: HYLANT INSURANCE GROUP INC. | 85 CAMPAU AVE SUITE 199 GRAND RAPIDS, MI 49503 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $574 | $4K | 12.63% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP - GRAND RAPIDS | 85 CAMPAU AVE NW SUITE 100 GRAND RAPIDS, MI 49503 | EYEMED VISION CARE | $1K | — | $1K | 11.10% |
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 | 195 | 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) | 195 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BCN SERVICE COMPANY | 310 | $247K |
| Dental | DELTA DENTAL | 326 | $132K |
| Vision | EYEMED VISION CARE | 225 | $12K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 248 | $139K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 248 | $109K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 248 | $109K |
| Prescription drug | BCN SERVICE COMPANY | 310 | $203K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 248 | $109K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 326 | — |
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.