| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HYLANT GROUP INC3 Filed as: HYLANT GROUP INC (ANN ARBOR) | PO BOX 541 ANN ARBOR, MI 48106 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $40K | $2K | $42K | 1.56% |
| HYLANT GROUP INC3 | 8 CADILLAC DRIVE STE 230 BRENTWOOD, TN 37027 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $60K | $12K | $72K | 13.14% |
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 43604 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $0 | $7K | 13.20% |
| CRUMP LIFE INSURANCE SERVICES3 Filed as: CRUMP LIFE INSURANCE SERVICES INC | 4135 N FRONT ST HARRISBURG, PA 17110 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 5.15% |
| NORTH AMERICAN PENSION SERVICES LTD3 | 2542 S ROCHESTER RD ROCHESTER HILLS, MI 48307 | METROPOLITAN LIFE INSURANCE COMPANY | $74 | $0 | $74 | 0.13% |
| FINANCIAL ARCHITECTS, INC.3 Filed as: FINANCIAL ARCHITECTS INC | 39395 W 12 MILE RD STE 102 FARMINGTON HILLS, MI 48331 | METROPOLITAN LIFE INSURANCE COMPANY | $10 | $0 | $10 | 0.02% |
| LINTON F BANWELL3 | 2542 S ROCHESTER RD ROCHESTER, MI 48307 | METROPOLITAN LIFE INSURANCE COMPANY | $6 | $0 | $6 | 0.01% |
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 | 278 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 45 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 323 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 473 | $2.7M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 278 | $546K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 278 | $546K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 278 | $546K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 278 | $546K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 473 | $2.7M |
| Other(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 278 | $601K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 473 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.