| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEPHEN G. DOWNS3 | 2401 W BIG BEAVER RD, SUITE 400 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $8K | $24K | $32K | 1.59% |
| HYLANT GROUP INC3 | PO BOX 541 ANN ARBOR, MI 48106 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $3K | $3K | 0.13% |
| HYLANT GROUP INC3 | 2401 W BIG BEAVER RD, SUITE 400 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $231 | $231 | 0.01% |
| HYLANT GROUP INC3 | 8 CADILLAC DR SUITE 230 BRENTWOOD, TN 37027 | DELTA DENTAL OF MICHIGAN | $7K | — | $7K | 4.73% |
| HYLANT GROUP INC3 | 811 MADISON AVENUE 8TH FL TOLEDO, OH 43604 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 2.92% |
| HYLANT GROUP INC3 | 811 MADISON AVENUE 8TH FL TOLEDO, OH 43604 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $850 | $850 | 0.64% |
| HYLANT GROUP INC3 | 811 MADISON AVENUE 8TH FL TOLEDO, OH 43604 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $109 | — | $109 | 0.08% |
| HYLANT GROUP INC3 | 811 MADISON AVENUE 8TH FL TOLEDO, OH 43604 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 9.18% |
| HYLANT GROUP INC3 | 811 MADISON AVENUE 8TH FL TOLEDO, OH 43604 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $129 | $129 | 0.64% |
| HYLANT GROUP INC3 | 811 MADISON AVENUE 8TH FL TOLEDO, OH 43604 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $118 | — | $118 | 0.58% |
| HYLANT GROUP INC3 | 811 MADISON AVENUE 8TH FL TOLEDO, OH 43604 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 13.73% |
| HYLANT GROUP INC3 | 811 MADISON AVENUE 8TH FL TOLEDO, OH 43604 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $188 | — | $188 | 1.20% |
| HYLANT GROUP INC3 | 811 MADISON AVENUE 8TH FL TOLEDO, OH 43604 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $100 | $100 | 0.64% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 TPA | Contract Administrator; Direct payment from the plan; Consulting (general); Other fees; Claims processing; Insurance services; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $173K |
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 | 427 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 427 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 195 | $2.0M |
| Dental | DELTA DENTAL OF MICHIGAN | 427 | $138K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 230 | $20K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 230 | $133K |
| Long-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 230 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 427 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.