| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM A LEY | 2401 W. BIG BEAVER ROAD SUITE 400 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $24K | $35K | $59K | 8.81% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 2401 W. BIG BEAVER ROAD SUITE 400 TROY, MI 48084 | BLUE CARE NETWORK | $20K | — | $20K | 4.04% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 2401 W. BIG BEAVER ROAD SUITE 400 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $50K | — | $50K | 16.75% |
| GRIFFIN, STEVEN, RAY3 | 2000 MORRIS AVE, SUITE 1400 BIRMINGHAM, MI 35203 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMAPNY | $34K | — | $34K | 21.71% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 2401 W. BIG BEAVER ROAD SUITE 400 TROY, MI 48084 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMAPNY | $14K | — | $14K | 8.73% |
| GRIFFIN, STEVEN, RAY | 2000 MORRIS AVE, SUITE 1400 BIRMINGHAM, MI 35203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $29K | — | $29K | 24.14% |
| HYLANT GROUP INC Filed as: HYLANT GROUP | 2401 W. BIG BEAVER ROAD SUITE 400 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 9.17% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 2401 W. BIG BEAVER ROAD SUITE 400 TROY, MI 48048 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $18K | — | $18K | 16.86% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 811 MADISON AVENUE TOLEDO, OH 43603 | VISION SERVICE PLAN | $2K | — | $2K | 3.75% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 | Claims processing; Float revenue; Other fees; Contract Administrator; Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Consulting (general); Insurance services Service code 12 | PO BOX 2888 DETROIT, MI 48231 | $338K |
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 | 860 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 860 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CARE NETWORK | 56 | $484K |
| Vision | VISION SERVICE PLAN | 744 | $51K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 860 | $568K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 860 | $301K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 860 | $301K |
| Prescription drug | BLUE CARE NETWORK | 56 | $484K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF MICHIGAN | 0 | $665K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 860 | $529K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 860 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.