| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 2401 W BIG BEAVER RD STE 400 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $55K | — | $55K | 19.00% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 2401 W BIG BEAVER RD STE 400 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $21K | — | $21K | 20.42% |
| GRIFFIN, STEVEN, RAY3 | 2000 MORRIS AVE BIRMINGHAM, AL 35203 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMAPNY | $72K | — | $72K | 72.50% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 2401 W BIG BEAVER RD STE 400 TROY, MI 48084 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMAPNY | $28K | — | $28K | 28.02% |
| GRIFFIN, STEVEN, RAY | 2000 MORRIS AVE BIRMINGHAM, AL 35203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $29K | — | $29K | 53.55% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 2401 W BIG BEAVER RD STE 400 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 19.50% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 2401 W BIG BEAVER RD STE 400 TROY, MI 48084 | VISION SERVICE PLAN | $2K | — | $2K | 3.92% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 | Other fees; Float revenue; Consulting (general); Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan; Insurance services; Contract Administrator; Claims processing Service code 12 | PO BOX 2888 DETROIT, MI 48231 | $485K |
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 | 870 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 870 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 438 | $44K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 856 | $493K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 856 | $289K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 856 | $289K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF MICHIGAN | 0 | $802K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 856 | $447K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 856 | — |
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.
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.