| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANDREW SCHEIDT3 | 811 MADISON AVENUE, SUITE 3 TOLEDO, OH 43604 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $77K | $0 | $77K | 1.28% |
| JASON A. FREEMAN3 | 24 FRANK LLOYD WRIGHT DRIVE SUITE J4100 ANN ARBOR, MI 48105 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $25K | $0 | $25K | 0.41% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 811 MADISON AVENUE TOLEDO, OH 43604 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $5K | $5K | 0.09% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 811 MADISON AVENUE TOLEDO, OH 43604 | KAISER FOUNDATION HEALTH PLAN INC | $42K | $0 | $42K | 7.15% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 24 FRANK LLOYD WRIGHT DRIVE SUITE J4100 ANN ARBOR, MI 48105 | SUN LIFE ASSURANCE COMPANY OF CANADA | $37K | $6K | $43K | 12.69% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 24 FRANK LLOYD WRIGHT DRIVE SUITE J4100 ANN ARBOR, MI 48105 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $7K | $0 | $7K | 8.95% |
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 | 583 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 33 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 622 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 1,440 | $6.6M |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 1,591 | $81K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 545 | $338K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 545 | $338K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 1,440 | $6.6M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 545 | $338K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,591 | — |
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."
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.