| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RYAN DUCHARME3 | UNKNOWN ANN ARBOR, MI 48108 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $137K | $0 | $137K | 3.01% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 220 PARK STREET, SUITE 2 BIRMINGHAM, MI 48009 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $3K | $3K | 0.06% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 201 DEPOT STREET ANN ARBOR, MI 48104 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $35K | $7K | $42K | 13.22% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | PO BOX 541 ANN ARBOR, MI 48106 | HUMANA INSURANCE COMPANY | $21K | $0 | $21K | 8.07% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 201 DEPOT STREET ANN ARBOR, MI 48104 | UNUM INSURANCE COMPANY | $6K | $960 | $7K | 23.44% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 811 MADISON AVENUE TOLEDO, OH 43604 | TRUSTMARK INSURANCE COMPANY | $1K | $0 | $1K | 10.18% |
| USB HEALTH LLC3 Filed as: USB HEALTH | 99 WOOD AVENUE SOUTH, SUITE 501 ISELIN, NJ 08830 | TRUSTMARK INSURANCE COMPANY | $1K | $0 | $1K | 10.18% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 811 MADISON AVENUE TOLEDO, OH 43604 | METROPOLITAN GENERAL INSURANCE COMPANY | $871 | $0 | $871 | 10.00% |
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 | 297 | 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) | 297 | 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 | 561 | $4.6M |
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 237 | $279K |
| Vision(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 237 | $279K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 297 | $321K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 297 | $321K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 297 | $321K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 561 | $4.6M |
| Other(4 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 297 | $368K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 561 | — |
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.