| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARK C NIXON3 | 2401 W BIG BEAVER RD S400 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $44K | — | $44K | 1.96% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP INC (ANN ARBOR) | P O BOX 541 ANN ARBOR, MI 48106 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $1K | $1K | 0.07% |
| HYLANT GROUP INC3 | 8 CADILLAC DRIVE SUITE 230 BRENTWOOD, TN 37027 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $45K | $12K | $57K | 13.87% |
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 | 191 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 46 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 237 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 451 | $2.2M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 236 | $412K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 236 | $412K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 236 | $412K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 236 | $412K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 451 | $2.2M |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 236 | $412K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 451 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.