| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARK C NIXON3 | 2401 BIG BEAVER ROAD SUITE 400 TROY, MI 48084 | BLUE CROSS BLUE SHIELD | $15K | $12K | $27K | 2.11% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP INC (ANN ARBOR) | P O BOX 541 ANN ARBOR, MI 48106 | BLUE CROSS BLUE SHIELD | — | $1K | $1K | 0.11% |
| MARK C NIXON3 Filed as: MARK C. NIXON | 2401 BIG BEAVER ROAD SUITE 400 TROY, MI 480843327 | BLUE CARE NETWORK OF MICHIGAN | $4K | — | $4K | 3.90% |
| ACTION BENEFITS COMPANY3 Filed as: ACTION BENEFITS | 26533 EVERGREEN ROAD SUITE 400 SOUTHFIELD, MI 48076 | BLUE CARE NETWORK OF MICHIGAN | $1K | — | $1K | 1.06% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. (ANN ARBOR) | P.O. BOX 541 ANN ARBOR, MI 48106 | BLUE CARE NETWORK OF MICHIGAN | — | $182 | $182 | 0.16% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 811 MADISON AVENUE TOLEDO, OH 43604 | UNITED CONCORDIA INSURANCE COMPANY | $11K | $1K | $13K | 14.51% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 811 MADISON AVE TOLEDO, OH 43604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $1K | $13K | 16.02% |
| JOHN HIMMELSPACH3 | 2629 MUNSTER DRIVE ROCHESTER HILLS, MI 48309 | EMPLOYEE BENEFIT CONCEPTS | $367 | — | $367 | 0.46% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 811 MADISON AVE TOLEDO, OH 43604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $208 | $2K | 17.92% |
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 | 107 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD | 91 | $1.5M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 41 | $88K |
| Vision(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD | 91 | $1.4M |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 117 | $92K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 117 | $80K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 117 | $80K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD | 91 | $1.4M |
| Other | EMPLOYEE BENEFIT CONCEPTS | 74 | $79K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 117 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.