| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEPHEN G. DOWNS3 | 2401 W. BIG BEAVER RD S400 TROY, MI 48084 | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | $17K | $0 | $17K | 1.96% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP INC, | 2401 W BIG BEAVER RD STE 400 TROY, MI 48084 | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | $0 | $306 | $306 | 0.04% |
| STEPHEN G. DOWNS3 | 2401 W BIG BEAVER RD STE 400 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $17K | $0 | $17K | 2.21% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP INC, | 2401 W BIG BEAVER RD STE 400 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $0 | $372 | $372 | 0.05% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP INC. | 8 CADILLAC DR STE 230 BRENTWOOD, TN 37027 | DELTA DENTAL PLAN OF MICHIGAN | $9K | $242 | $10K | 10.31% |
| HYLANT GROUP INC3 | 8 CADILLAC DRIVE SUITE 230 BRENTWOOD, TN 37027 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $0 | $8K | 12.80% |
| HYLANT GROUP INC3 | 811 MADISON AVE 8TH FL TOLEDO, OH 43604 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $193 | $6K | 15.51% |
| SPIES CONSULTING GROUP3 | 4301 ORCHARD LAKE WEST BLOOMFIELD, MI 48323 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $793 | $2K | 35.94% |
| HYLANT GROUP INC3 | 2401 W. BIG BEAVER TROY, MI 48084 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $956 | $0 | $956 | 17.61% |
| JAMES A KERN3 Filed as: JAMES KERN | 43000 12 OAKS CRESCENT DRIVE NOVI, MI 48377 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $371 | $182 | $553 | 10.19% |
| WILLIAM OLIVER LAMB3 | 9404 PINEVIEW CT DAVISON, MI 48423 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $318 | $94 | $412 | 7.59% |
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 | 151 | 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) | 151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | 164 | $1.6M |
| Dental | DELTA DENTAL PLAN OF MICHIGAN | 311 | $93K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 151 | $65K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 151 | $65K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 141 | $38K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | 164 | $1.6M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 151 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 311 | — |
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."
No prospect flags tripped on this filing.