| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HYLANT GROUP INC3 | 85 CAMPAU AVENUE NW, SUITE 100 GRAND RAPIDS, MI 49503 | PRINCIPAL LIFE INSURANCE COMPANY | $22K | $3K | $25K | 10.31% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: SPIRE RISK MANAGEMENT LLC | 2101 MCCULLOUGH AVENUE, SUITE 210 SAN ANTONIO, MI 78212 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 0.86% |
| HYLANT GROUP INC3 | 811 MADISON AVENUE TOLEDO, TX 43604 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $27K | $9K | $36K | 15.05% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: SPIRE RISK MANAGEMENT LLC | 45 NE LOOP 410, SUITE 690 SAN ANTONIO, TX 78216 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $0 | $8K | 3.50% |
| HYLANT GROUP INC3 | 1025 GREENWOOD BOULEVARD, SUITE 285 LAKE MARY, FL 32746 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | $0 | $5K | 13.65% |
| HYLANT GROUP INC3 | 811 MADISON AVENUE TOLEDO, OH 43604 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $2K | $2K | 4.32% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: SPIRE RISK MANAGEMENT LLC | 2101 MCCULLOUGH AVENUE, SUITE 210 SAN ANTONIO, TX 78212 | SUN LIFE ASSURANCE COMPANY OF CANADA | $522 | $0 | $522 | 1.36% |
| HYLANT GROUP INC3 | 1025 GREENWOOD BOULEVARD, SUITE 285 LAKE MARY, FL 32746 | MEDIEXCEL HEALTH PLAN | $2K | $0 | $2K | 6.18% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: SPIRE RISK MANAGEMENT LLC | 2101 MCCULLOUGH AVENUE, SUITE 210 SAN ANTONIO, TX 78212 | MEDIEXCEL HEALTH PLAN | $124 | $0 | $124 | 0.44% |
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 | 532 | 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) | 532 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDIEXCEL HEALTH PLAN | 11 | $28K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 522 | $243K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 522 | $243K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 532 | $240K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 532 | $240K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 532 | $240K |
| Prescription drug | MEDIEXCEL HEALTH PLAN | 11 | $28K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 594 | $278K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 594 | — |
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.