| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANDREW SCHEIDT3 | 2401 WEST BIG BEAVER ROAD, SUITE 40 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $25K | $0 | $25K | 5.42% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 220 PARK STREET, SUITE 2 BIRMINGHAM, MI 48009 | BLUE CARE NETWORK OF MICHIGAN | $0 | $516 | $516 | 0.11% |
| ANDREW SCHEIDT3 | 2401 WEST BIG BEAVER ROAD, SUITE 40 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $22K | $0 | $22K | 4.97% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 220 PARK STREET, SUITE 2 BIRMINGHAM, MI 48009 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $432 | $432 | 0.10% |
| MMA SERVICE CORP3 Filed as: MMA SERVICE CORPORATION | 620 SOUTH CAPITAL AVENUE LANSING, MI 48933 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $4K | $4K | 5.00% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 811 MADISON AVENUE TOLEDO, OH 43604 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $676 | $4K | 4.91% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 2401 WEST BIG BEAVER ROAD SUITE 400 TROY, MI 80843 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $749 | $0 | $749 | 9.93% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | UNKNOWN ANN ARBOR, MI 48105 | AMERICAN UNITED LIFE INSURANCE COMPANY | $13K | $0 | $13K | — |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH | UNKNOWN KIRKWOOD, MO 63122 | AMERICAN UNITED LIFE INSURANCE COMPANY | $0 | $4K | $4K | — |
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 | 137 | 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) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 77 | $906K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 179 | $75K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 140 | $8K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 137 | $0 |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 137 | $0 |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 137 | $0 |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 77 | $906K |
| Other | AMERICAN UNITED LIFE INSURANCE COMPANY | 137 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 179 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.