| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 811 MADISON AVENUE TOLEDO, OH 43603 | DELTA DENTAL OF MICHIGAN | $21K | $0 | $21K | 9.14% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 40 PEARL STREET NW, SUITE 700 GRAND RAPIDS, MI 49503 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $2K | $16K | 16.33% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 811 MADISON AVENUE TOLEDO, OH 43603 | VISION SERVICE PLAN | $3K | $0 | $3K | 10.01% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 NORTH KIRKWOOD ROAD, SUITE 300 KIRKWOOD, MO 63122 | VISION SERVICE PLAN | $1K | $0 | $1K | 4.00% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 40 PEARL STREET NW, SUITE 700 GRAND RAPIDS, MI 49503 | UNUM INSURANCE COMPANY | $3K | $537 | $4K | 13.39% |
| DOYLE-OGDEN INC3 Filed as: DOYLE-OGDEN, INC. | 3330 BROADMOOR AVENUE SE, SUITE E GRAND RAPIDS, MI 49512 | UNUM INSURANCE COMPANY | $964 | $0 | $964 | 3.48% |
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 | 460 | 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) | 460 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 694 | $224K |
| Vision | VISION SERVICE PLAN | 274 | $31K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 460 | $99K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 460 | $99K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 460 | $99K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 460 | $127K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 694 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.