| 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 | $49K | — | $49K | 3.30% |
| MARY JO LEFEVRE3 | 2401 BIG BEAVER ROAD SUITE 400 TROY, MI 480843327 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $23K | — | $23K | 1.58% |
| ACTION BENEFITS COMPANY3 | 24600 NORTHWESTERN SOUTHFIELD, MI 48075 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $16K | — | $16K | 1.08% |
| JACK KELLY3 | PO BOX 282 BLOOMFIELD HILLS, MI 483030282 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $1K | — | $1K | 0.08% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 8 CADILLAC DRIVE SUITE 230 BRENTWOOD, TN 37027 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $26K | — | $26K | 10.15% |
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 | 130 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 308 | $1.5M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 127 | $258K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 127 | $258K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 127 | $258K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 127 | $258K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 127 | $258K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 308 | $1.5M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 127 | $258K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 308 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.