| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 2401 W BIG BEAVER ROAD, SUITE 400 TROY, MI 48084 | DELTA DENTAL OF MICHIGAN | $26K | — | $26K | 2.71% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 2401 W BIG BEAVER ROAD, SUITE 400 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $52K | $10K | $62K | 9.84% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 2401 W BIG BEAVER ROAD, SUITE 400 TROY, MI 48084 | DELTA DENTAL OF MICHIGAN | $4K | — | $4K | 2.86% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 2401 W BIG BEAVER ROAD, SUITE 400 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17K | $3K | $20K | 16.40% |
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 | 2,807 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,817 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | DELTA DENTAL OF MICHIGAN | 3,183 | $1.1M |
| Vision | VISION SERVICE PLAN | 1,639 | $213K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,853 | $754K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,853 | $754K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,853 | $754K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,183 | — |
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.