| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM A LEY | 2401 WEST BIG BEAVER ROAD SUITE 400 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $29K | — | $29K | 4.75% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP INC (TROY) | 2401 WEST BIG BEAVER ROAD SUITE 400 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | — | $783 | $783 | 0.13% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM A LEY | 2401 WEST BIG BEAVER ROAD SUITE 400 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $20K | — | $20K | 4.39% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP INC (TROY) | 2401 WEST BIG BEAVER ROAD SUITE 400 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $431 | $431 | 0.09% |
| HYLANT GROUP INC3 | 24 FRANK LLOYD WRIGHT DRIVE ANN ARBOR, MI 48105 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $1K | $8K | 17.10% |
| HYLANT GROUP INC3 | 24 FRANK LLOYD WRIGHT DRIVE ANN ARBOR, MI 48105 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $463 | $3K | 8.14% |
| HYLANT GROUP INC3 | 24 FRANK LLOYD WRIGHT DRIVE ANN ARBOR, MI 48105 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $798 | $4K | 12.22% |
| HYLANT GROUP INC3 | 24 FRANK LLOYD WRIGHT DRIVE ANN ARBOR, MI 48105 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $349 | $3K | 17.08% |
| HYLANT GROUP INC3 | 24 FRANK LLOYD WRIGHT DRIVE ANN ARBOR, MI 48105 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $114 | $1K | 7.76% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 2401 WEST BIG BEAVER ROAD TROY, MI 48084 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $659 | — | $659 | 8.11% |
| HYLANT GROUP INC3 | 24 FRANK LLOYD WRIGHT DRIVE ANN ARBOR, MI 48105 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $541 | $114 | $655 | 12.11% |
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 | 79 | 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) | 79 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 81 | $1.1M |
| Dental(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 45 | $56K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 145 | $8K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 97 | $22K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 50 | $36K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 32 | $49K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 81 | $1.1M |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 97 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 145 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.