| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 811 MADISON AVE TOLEDO, OH 436045684 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $55K | $8K | $63K | 3.18% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 811 MADISON AVE TOLEDO, OH 436045684 | BLUE CARE NETWORK OF MICHIGAN | $7K | $1K | $8K | 3.19% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 811 MADISON AVE TOLEDO, OH 436045684 | DELTA DENTAL OF MICHIGAN | $6K | — | $6K | 4.74% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 811 MADISON AVE TOLEDO, OH 436045684 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $15K | $4K | $19K | 16.66% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP, LLC | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $4K | $4K | 3.48% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 811 MADISON AVE TOLEDO, OH 436045684 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 9.77% |
| MICHIGAN CHAMBER SERVICES, INC.3 Filed as: MICHIGAN CHAMBER SERVICES | 600 SOUTH WALNUT STREET LANSING, MI 489332209 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $587 | — | $587 | 4.88% |
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 | 196 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 197 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 330 | $2.2M |
| Dental | DELTA DENTAL OF MICHIGAN | 358 | $125K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 155 | $12K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 335 | $116K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 335 | $116K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 330 | $2.2M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 335 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 358 | — |
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.