| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT A KELLEHER3 Filed as: ROBERT A. KELLEHER | PO BOX 1687 TOLEDO, OH 43603 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $21K | $11K | $32K | 0.39% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP INC. | 2401 W BIG BEAVER RD SUITE 400 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $11K | $11K | 0.13% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP INC. | PO BOX 1687 TOLEDO, OH 43603 | RELIASTAR LIFE INSURANCE COMPANY | $28K | — | $28K | 10.00% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATE ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY | $5K | — | $5K | 20.00% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP INC. | 811 MADISON AVENUE TOLEDO, OH 43603 | FEDERAL INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 SERVICE PROVIDER | Insurance services; Other fees; Claims processing; Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Consulting (general); Float revenue; Contract Administrator Service code 12 | — | $632K |
| DELTA DENTAL OF MICHIGAN EIN 38-1791480 BENEFITS ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | 4100 OKEMOS RD OKEMOS, MI 48864 | $31K |
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 | 1,487 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,487 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 1,487 | $8.2M |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 1,487 | $8.2M |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 1,487 | $8.2M |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 1,155 | $285K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 1,155 | $285K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 1,487 | $8.2M |
| Other(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 1,155 | $311K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,487 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.