| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CARMEN BAINES3 | 85 CAMPAU AVENUE NW, SUITE 100 GRAND RAPIDS, MI 49503 | PRIORITY HEALTH | $67K | $0 | $67K | 3.05% |
| CARMEN BAINES3 | 811 MADISON AVENUE TOLEDO, OH 43604 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $7K | $0 | $7K | 3.94% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 2401 WEST BIG BEAVER ROAD SUITE 400 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $5K | $5K | 2.84% |
| HYLANT GROUP INC3 | 811 MADISON AVENUE TOLEDO, OH 43604 | DEARBORN LIFE INSURANCE COMPANY | $14K | $7K | $21K | 20.35% |
| HYLANT GROUP INC3 | 811 MADISON AVENUE TOLEDO, GA 43604 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | $0 | $7K | 15.39% |
| HYLANT GROUP INC3 | 1050 CROWN POINTE PARKWAY ATLANTA, GA 30338 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $921 | $921 | 2.12% |
| CARMEN BAINES3 | 85 CAMPAU AVENUE NW, SUITE 100 GRAND RAPIDS, MI 49503 | PRIORITY HEALTH INSURANCE COMPANY | $341 | $0 | $341 | 3.00% |
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 | 434 | 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) | 434 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | PRIORITY HEALTH | 312 | $2.2M |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 376 | $175K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 376 | $175K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 276 | $101K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 276 | $101K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 276 | $101K |
| Prescription drug(2 contracts, 2 carriers) | PRIORITY HEALTH | 312 | $2.2M |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 276 | $145K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 376 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.