| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KAREN BARNES3 Filed as: KAREN R BARNES | 85 CAMPAU WAY STE 100 GRAND RAPIDS, MI 49503 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $63K | $0 | $63K | 2.61% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP INC (GR RAPIDS) | 85 CAMPAU WAY STE 100 GRAND RAPIDS, MI 49503 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $3K | $3K | 0.14% |
| HYLANT GROUP INC Filed as: HYLANT GROUP, INC. TOLEDO | 811 MADISON AVE TOLEDO, OH 43604 | DEARBORN LIFE INSRUANCE COMPANY | $12K | — | $12K | 13.31% |
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 | 386 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 386 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 466 | $2.4M |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 466 | $2.4M |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 466 | $2.4M |
| Life insurance | DEARBORN LIFE INSRUANCE COMPANY | 464 | $92K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 466 | $2.4M |
| Other | DEARBORN LIFE INSRUANCE COMPANY | 464 | $92K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 466 | — |
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.