| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNKNOWN3 | UNKNOWN AUBURN HILLS, MI 48326 | BLUE CARE NETWORK OF MICHIGAN | $61K | — | $61K | 4.18% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP INC. | 811 MADISON AVENUE TOLEDO, OH 43604 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $104K | $18K | $122K | 11.75% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | EIGHT CADILLAC DRIVE, SUITE 230 BRENTWOOD, TN 37027 | DELTA DENTAL OF MICHIGAN | $13K | — | $13K | 1.31% |
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 | 3,114 | 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) | 3,114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CARE NETWORK OF MICHIGAN | 246 | $1.5M |
| Dental | DELTA DENTAL OF MICHIGAN | 3,204 | $995K |
| Vision | VISION SERVICE PLAN | 1,416 | $163K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,363 | $1.0M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,363 | $1.0M |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 246 | $1.5M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,363 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,204 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.