| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHRISTINE L. MAREK3 | 2401 WEST BIG BEAVER, SUITE 400 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $70K | $0 | $70K | 1.61% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC ANN ARBOR | PO BOX 541 ANN ARGOR, MI 48106 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $3K | $3K | 0.06% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 2401 WEST BIG BEAVER ROAD SUITE 400 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $2K | $2K | 0.04% |
| STRATEGIC ENROLLMENT SERVICES INC.3 Filed as: STRATEGIC ENROLLMENT SERVICES | 1205 LOUISIANA AVENUE, SUITE 441 PERRYSBURG, OH 43552 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $52K | $0 | $52K | 16.03% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 2401 WEST BIG BEAVER ROAD SUITE 400 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $46K | $5K | $51K | 15.74% |
| STEVEN RAY GRIFFIN3 | 2000 MORRIS AVENUE, SUITE 1400 BIRMINGHAM, AL 35203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4 | $1 | $5 | 0.00% |
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 | 633 | 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) | 633 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 1,140 | $4.3M |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 1,140 | $4.3M |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 1,140 | $4.3M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 633 | $326K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 633 | $326K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 633 | $326K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 1,140 | $4.3M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 633 | $326K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,140 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.