| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STACY V. HARRIS3 | 38233 MOUND ROAD, BUILDING F STERLING HEIGHTS, MI 48310 | BLUE CARE NETWORK OF MICHIGAN | $41K | $0 | $41K | 1.29% |
| DAVID C NORRIS3 Filed as: DAVID C. NORRIS | 280 WEST MAPLE, SUITE 200 BIRMINGHAM, MI 48009 | BLUE CARE NETWORK OF MICHIGAN | $18K | $0 | $18K | 0.58% |
| STACY V. HARRIS3 | 38233 MOUND ROAD, BUILDING F STERLING HEIGHTS, MI 48310 | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | $4K | $0 | $4K | 1.57% |
| DAVID C NORRIS3 Filed as: DAVID C. NORRIS | 280 WEST MAPLE, SUITE 200 BIRMINGHAM, MI 48009 | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | $2K | $0 | $2K | 0.67% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 811 MADISON AVENUE TOLEDO, OH 43604 | DELTA DENTAL OF MICHIGAN | $1K | $0 | $1K | 2.51% |
| BENEFIT PARTNERS GROUP LLC3 Filed as: BENEFIT PARTNERS, LLC | 38233 MOUND ROAD, BUILDING F STERLING HEIGHTS, MI 48310 | DELTA DENTAL OF MICHIGAN | $1K | $0 | $1K | 2.39% |
| BENEFITS PARTNER LLC3 | 38233 MOUND ROAD, BUILDING F STERLING HEIGHTS, MI 48310 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 5.76% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 811 MADISON AVENUE TOLEDO, OH 43604 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 5.72% |
| BENEFITS PARTNER LLC3 Filed as: BENEFITS PARTNER | 38233 MOUND ROAD, BUILDING F STERLING HEIGHTS, MI 48310 | METROPOLITAN LIFE INSURANCE COMPANY | $949 | $0 | $949 | 15.74% |
| MMA SERVICE CORP5 Filed as: MMA SERVICE CORPORATION | 620 SOUTH CAPITAL AVENUE LANSING, MI 48933 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $301 | $301 | 4.99% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 10401 NORTH MERIDIAN STREET SUITE 200 INDIANAPOLIS, IN 46290 | METROPOLITAN LIFE INSURANCE COMPANY | $222 | $0 | $222 | 3.68% |
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 | 306 | 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) | 306 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 554 | $3.4M |
| Dental | DELTA DENTAL OF MICHIGAN | 593 | $53K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 306 | $25K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 306 | $31K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 306 | $31K |
| Long-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 306 | $31K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 554 | $3.4M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 306 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 593 | — |
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.