| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 85 CAMPAU AVENUE NW, SUITE 100 GRAND RAPIDS, MI 49503 | UNITEDHEALTHCARE INSURANCE COMPANY | $23K | $0 | $23K | 8.16% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 811 MADISON AVENUE TOLEDO, OH 43604 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | $0 | $5K | 2.86% |
| ALLIANT INSURANCE SERVICES, INC.3 | 2185 NORTH CALIFORNIA BOULEVARD SUITE 400 WALNUT CREEK, CA 94596 | UNITEDHEALTHCARE INSURANCE COMPANY | $368 | $0 | $368 | 0.21% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COPMANIES, L.C. | 6400 SHAFER COURT, SUITE 100 ROSEMONT, IL 60018 | UNITEDHEALTHCARE INSURANCE COMPANY | -$10 | -$164 | -$174 | -0.10% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | UNITEDHEALTHCARE INSURANCE COMPANY | $3 | -$196 | -$193 | -0.11% |
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 | 375 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 377 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 491 | $172K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 491 | $172K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 730 | $279K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 730 | $279K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 730 | $279K |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 730 | $279K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 730 | — |
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.