| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GUYLAINE DONAVAN3 | 85 CAMPAU AVE NW, STE 100 GRAND RAPIDS, MI 49503 | PRIORITY HEALTH | $48K | — | $48K | 2.75% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 811 MADISON AVE TOLEDO, OH 436045684 | DELTA DENTAL OF MICHIGAN | $6K | — | $6K | 4.77% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 811 MADISON AVE TOLEDO, OH 436045684 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $3K | $13K | 13.34% |
| GUYLAINE DONAVAN3 | 85 CAMPAU AVE NW, STE 100 GRAND RAPIDS, MI 49503 | PRIORITY HEALTH INSURANCE COMPANY | $2K | — | $2K | 2.75% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 811 MADISON AVE TOLEDO, OH 436045684 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $608 | — | $608 | 11.07% |
| MICHIGAN CHAMBER SERVICES, INC.3 Filed as: MICHIGAN CHAMBER SERVICES | 600 SOUTH WALNUT STREET LANSING, MI 489332209 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $153 | — | $153 | 2.79% |
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 | 233 | 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) | 234 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | PRIORITY HEALTH | 382 | $1.8M |
| Dental | DELTA DENTAL OF MICHIGAN | 362 | $116K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 68 | $5K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 234 | $97K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 234 | $97K |
| Prescription drug(2 contracts, 2 carriers) | PRIORITY HEALTH | 382 | $1.8M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 234 | $97K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 382 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.