| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEPHEN G. DOWNS3 | 2401 W BIG BEAVER ROAD, SUITE 400 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $31K | $0 | $31K | 4.17% |
| ACTION BENEFITS COMPANY3 | 24600 NORTHWESTERN SOUTHFIELD, MI 48075 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $7K | $0 | $7K | 0.98% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP (ANN ARBOR) | PO BOX 541 ANN ARBOR, MI 48106 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $493 | $493 | 0.07% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP INC. | 2401 W BIG BEAVER, SUITE 400 TROY, MI 48084 | BLUE CARE NETWORK | $31K | $0 | $31K | 4.73% |
| ACTION BENEFITS COMPANY3 | 24600 NORTHWESTERN SOUTHFIELD, MI 49075 | BLUE CARE NETWORK | $7K | $0 | $7K | 1.04% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP INC. | 8 CADILLAC DR SUITE 230 BRENTWOOD, TN 37027 | DELTA DENTAL OF MICHIGAN | $9K | $0 | $9K | 9.89% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP INC. | 8 CADILLAC DRIVE, SUITE 230 BRENTWOOD, TN 37027 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | $3K | $13K | 15.10% |
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 | 156 | 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) | 156 | 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 | 169 | $1.4M |
| Dental | DELTA DENTAL OF MICHIGAN | 332 | $95K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 156 | $88K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 156 | $88K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 156 | $88K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 169 | $1.4M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 156 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 332 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.