| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MAX RISPLER3 | 2401 W BIG BEAVER RD STE 400 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $46K | $0 | $46K | 2.92% |
| KATHERINE HENRY3 | 340 MADISON AVE NEW YORK, NC 10173 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $28K | $0 | $28K | 1.76% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 220 PARK ST STE 2 BIRMINGHAM, MI 48009 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $1K | $1K | 0.08% |
| HYLANT GROUP INC3 | 201 DEPOT ST SUITE 100 ANN ARBOR, MI 48104 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 9.97% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 200 PARK AVENUE FL 32 NEW YORK, NY 10166 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 7.99% |
| HYLANT GROUP INC3 | 201 DEPOT ST SUITE 100 ANN ARBOR, MI 48104 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $898 | $2K | 7.64% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 200 PARK AVENUE FL 32 NEW YORK, NY 10166 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.33% |
| HYLANT GROUP INC3 | 201 DEPOT ST SUITE 100 ANN ARBOR, MI 48104 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $872 | $3K | 9.93% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 200 PARK AVENUE FL 32 NEW YORK, NY 10166 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 7.98% |
| HYLANT GROUP INC3 | 201 DEPOT ST SUITE 100 ANN ARBOR, MI 48104 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $636 | $299 | $935 | 11.06% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 200 PARK AVENUE FL 32 NEW YORK, NY 10166 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $632 | $0 | $632 | 7.48% |
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 | 108 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 33 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 275 | $1.6M |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 275 | $1.6M |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 275 | $1.6M |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 108 | $47K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 108 | $30K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 108 | $30K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 275 | $1.6M |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 108 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 275 | — |
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.
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.