| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM A LEY | 2401 W BIG BEAVER RD STE 400 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $62K | $0 | $62K | 1.96% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP INC (TROY) | 220 PARK ST STE 2 BIRMINGHAM, MI 48009 | BLUE CARE NETWORK OF MICHIGAN | $0 | $2K | $2K | 0.08% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM A LEY | 2401 W BIG BEAVER RD STE 400 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $52K | $0 | $52K | 1.98% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP INC (TROY) | 220 PARK ST STE 2 BIRMINGHAM, MI 48009 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $5K | $5K | 0.19% |
| HYLANT GROUP INC3 | 220 PARK ST STE 102 BIRMINGHAM, MI 48009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $27K | $16K | $43K | 13.42% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $26K | $26K | 8.13% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 811 MADISON AVE TOLEDO, OH 43604 | DELTA DENTAL OF MICHIGAN | $5K | $0 | $5K | 1.97% |
| HYLANT GROUP INC3 | 220 PARK ST STE 102 BIRMINGHAM, MI 48009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $22K | $11K | $32K | 15.30% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $15K | $15K | 7.14% |
| HYLANT GROUP INC3 | 220 PARK ST STE 102 BIRMINGHAM, MI 48009 | UNUM INSURANCE COMPANY | $5K | $2K | $7K | 15.00% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | UNUM INSURANCE COMPANY | $0 | $2K | $2K | 5.00% |
| HYLANT GROUP INC3 | 220 PARK ST STE 102 BIRMINGHAM, MI 48009 | UNUM INSURANCE COMPANY | $3K | $2K | $5K | 15.01% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | UNUM INSURANCE COMPANY | $0 | $2K | $2K | 5.00% |
| HYLANT GROUP INC3 | 220 PARK ST STE 102 BIRMINGHAM, MI 48009 | UNUM INSURANCE COMPANY | $3K | $2K | $5K | 15.01% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | UNUM INSURANCE COMPANY | $0 | $2K | $2K | 5.01% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 811 MADISON AVE TOLEDO, OH 43604 | DELTA DENTAL OF MICHIGAN | $473 | $0 | $473 | 1.97% |
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 | 376 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 379 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 580 | $5.8M |
| Dental(2 contracts) | DELTA DENTAL OF MICHIGAN | 572 | $288K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 580 | $2.6M |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 376 | $535K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 376 | $324K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 376 | $324K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 580 | $5.8M |
| Other(6 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 376 | $659K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 580 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.