| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RYAN DUCHARME3 | HYLANT GROUP INC. UNKNOWN ANN ARBOR, MI 48108 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $132K | $0 | $132K | 3.04% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 220 PARK STREET, SUITE 2 BIRMINGHAM, MI 48009 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $2K | $2K | 0.05% |
| HYLANT GROUP INC3 | 24 FRANK LLOYD WRIGHT DRIVE SUITE J4100 ANN ARBOR, MI 48106 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $36K | $13K | $49K | 15.71% |
| HYLANT GROUP INC3 | PO BOX 541 ANN ARBOR, MI 48106 | HUMANA INSURANCE COMPANY | $24K | $500 | $24K | 8.42% |
| CENTRO BENEFITS RESEARCH LLC3 | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | HUMANA INSURANCE COMPANY | $2K | — | $2K | 0.67% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP INC. | 811 MADISON AVENUE TOLEDO, OH 43604 | TRUSTMARK INSURANCE COMPANY | $5K | — | $5K | 41.50% |
| USB HEALTH LLC3 | 99 WOOD AVE SOUTH, SUITE 501 ISELIN, NJ 08830 | TRUSTMARK INSURANCE COMPANY | $5K | — | $5K | 41.50% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 811 MADISON AVENUE TOLEDO, OH 43604 | METROPOLITAN GENERAL INSURANCE COMPANY | $704 | $38 | $742 | 11.51% |
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 | 307 | 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) | 307 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 573 | $4.4M |
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 241 | $303K |
| Vision(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 241 | $303K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 307 | $313K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 307 | $313K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 307 | $313K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 573 | $4.4M |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 307 | $331K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 573 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.