| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GRIFFIN, STEVEN, RAY3 | STE 1400 2000 MORRIS AVE BIRMINGHAM, AL 35203 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $78K | $10K | $88K | 37.82% |
| HYLANT GROUP INC3 | STE 400 2014 W BIG BEAVER RD TROY, MI 48084 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $49 | — | $49 | 0.02% |
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 43604 | AMERICAN UNITED LIFE INSURANCE COMPANY | $394 | $7K | $7K | 4.20% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 2401 W BIG BEAVER ROAD TROY, MI 48084 | EYEMED (FIDELITY SECURITY LIFE INSURANCE COMPANY) | $9K | — | $9K | 17.28% |
| GRIFFIN, STEVEN, RAY3 | STE 1400 2000 MORRIS AVE BIRMINGHAM, AL 35203 | FIRST UNUM LIFE INSURANCE COMPANY | $822 | $97 | $919 | 43.95% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 811 MADISON AVENUE TOLEDO, OH 43604 | DELTA DENTAL OF IOWA | $6K | $1K | $7K | — |
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 | 578 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 582 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS BLUE SHIELD OF IOWA | 378 | $2.9M |
| Dental | DELTA DENTAL OF IOWA | 370 | $0 |
| Vision | EYEMED (FIDELITY SECURITY LIFE INSURANCE COMPANY) | 524 | $53K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 578 | $166K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 578 | $166K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 578 | $166K |
| Prescription drug | WELLMARK BLUE CROSS BLUE SHIELD OF IOWA | 378 | $2.9M |
| Other(3 contracts, 3 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 1,052 | $401K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,052 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.