| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 8 CADILLAC DRIVE SUITE 230 BRENTWOOD, TN 37027 | THE GUARDIAN INSURANCE COMPANY OF AMERICA | $23K | — | $23K | 9.79% |
| GRIFFIN, STEVEN, RAY Filed as: GRIFFIN STEVEN RAY | 2000 MORRIS AVE SUITE 1440 BIRMINGHAM, AL 35203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $95K | $16K | $111K | 48.38% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC | 2401 W BIG BEAVER SUITE 400 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $51K | — | $51K | 22.23% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 50 EAST BUSINESS WAY SUITE 200 CINCINNATI, OH 45241 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $5K | — | $5K | 15.23% |
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 | 388 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 401 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ALABAMA | 733 | $2.5M |
| Dental | BLUE CROSS BLUE SHIELD OF ALABAMA | 733 | $2.5M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 673 | $30K |
| Life insurance | THE GUARDIAN INSURANCE COMPANY OF AMERICA | 396 | $232K |
| Short-term disability | THE GUARDIAN INSURANCE COMPANY OF AMERICA | 396 | $232K |
| Long-term disability | THE GUARDIAN INSURANCE COMPANY OF AMERICA | 396 | $232K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ALABAMA | 733 | $2.5M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN INSURANCE COMPANY OF AMERICA | 788 | $462K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 788 | — |
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."
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.