| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIAM LEY3 | 2401 W. BIG BEAVER RD., STE. 400 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $37K | — | $37K | 2.45% |
| MICHAEL NIXON3 | 2401 W. BIG BEAVER RD., STE. 400 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $3K | — | $3K | 0.18% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP INC. (ANN ARBOR) | PO BOX 541 ANN ARBOR, MI 48106 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $2K | — | $2K | 0.11% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP INC.(TROY) | 2401 W. BIG BEAVER RD., STE. 400 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $195 | — | $195 | 0.01% |
| HYLANT GROUP INC3 | 8 CADILLAC DRIVE STE 230 BRENTWOOD, TN 37027 | DELTA DENTAL OF MICHIGAN | $4K | — | $4K | 4.34% |
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 43604 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $36 | $7K | 11.39% |
| HYLANT GROUP INC3 | P.O.BOX 1687 TOLEDO, OH 43603 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.61% |
| HYLANT GROUP INC3 | P.O.BOX 1687 TOLEDO, OH 43603 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $36 | $36 | 0.06% |
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 | 300 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 306 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 300 | $1.5M |
| Dental | DELTA DENTAL OF MICHIGAN | 288 | $92K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 179 | $10K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 216 | $62K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 216 | $62K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 216 | $62K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 300 | $1.5M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 216 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 300 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.