| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEPHEN G. DOWNS3 Filed as: STEPHEN G DOWNS | 2401 WEST BIG BEAVER ROAD TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $17K | $0 | $17K | 1.93% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP INC (ANN ARBOR) | PO BOX 541 ANN ARBOR, MI 48106 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $566 | $566 | 0.06% |
| STEPHEN G. DOWNS3 Filed as: STEPHEN G DOWNS | 2401 WEST BIG BEAVER ROAD, S400 TROY, MI 48084 | BLUE CARE NETWORK | $17K | $0 | $17K | 1.98% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP INC (ANN ARBOR) | PO BOX 541 ANN ARBOR, MI 48106 | BLUE CARE NETWORK | $0 | $710 | $710 | 0.08% |
| HYLANT GROUP INC | 8 CADILLAC DR STE 230 BRENTWOOD, TN 37027 | DELTA DENTAL OF MICHIGAN | $10K | $0 | $10K | 10.30% |
| HYLANT GROUP INC3 | 8 CADILLAC DR STE 230 BRENTWOOD, TN 37027 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $0 | $8K | 13.25% |
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 43604 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $5K | $11K | 28.91% |
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 | 154 | 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) | 154 | 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 | 178 | $1.8M |
| Dental | DELTA DENTAL OF MICHIGAN | 331 | $100K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 154 | $60K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 154 | $60K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 142 | $39K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 178 | $1.8M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 154 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 331 | — |
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.