| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GUYLAINE D DONAVAN3 | 811 MADISON AVE TOLEDO, OH 43604 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $10K | $32K | $42K | 8.02% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP INC (ANN ARBOR) | PO BOX 541 ANN ARBOR, MI 481060541 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $2K | $2K | 0.47% |
| HYLANT GROUP INC3 | 85 CAMPAU AVE NW SUITE 100 GRAND RAPIDS, MI 495032611 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $41 | $10K | 13.66% |
| HYLANT GROUP INC3 | PO BOX 1687 TOLEDO, OH 436031687 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $4K | $4K | 5.25% |
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 43603 | VISION SERVICE PLAN | $2K | — | $2K | 4.17% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 TPA | Claims processing; Contract Administrator; Direct payment from the plan; Insurance services; Consulting (general); Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Other fees Service code 12 | — | $249K |
| MAGELLAN PHARMACY SERVICES, INC. EIN 47-5588795 VENDOR | Claims processing Service code 12 | 2520 INDUSTRIAL ROW DRIVE TROY, MI 48084 | $16K |
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 | 318 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 319 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 318 | $525K |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 318 | $525K |
| Vision | VISION SERVICE PLAN | 269 | $39K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 52 | $76K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 52 | $76K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF MICHIGAN | 318 | $525K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 52 | $76K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 318 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.