| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CARMAN M. BAINES3 Filed as: CARMAN M BAINES | 811 MADISON AVE TOLEDO, OH 43604 | BLUE CARE NETWORK OF MICHIGAN | $38K | $0 | $38K | 4.72% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP INC (TROY) | 220 PARK ST STE 2 BIRMINGHAM, MI 48009 | BLUE CARE NETWORK OF MICHIGAN | $0 | $186 | $186 | 0.02% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC | 811 MADISON AVE TOLEDO, OH 43604 | DELTA DENTAL OF MICHIGAN | $3K | — | $3K | 3.76% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP INC (TROY) | 220 PARK ST STE 2 BIRMINGHAM, MI 48009 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $944 | $944 | 11.42% |
| CARMAN M. BAINES3 Filed as: CARMAN M BAINES | 811 MADISON AVE TOLEDO, OH 43604 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $78 | $0 | $78 | 0.94% |
| HYLANT GROUP INC Filed as: HYLANT GROUP | 85 CAMPAU AVE NW, STE. 100 GRAND RAPIDS, MI 49503 | EYEMED VISION CARE | $284 | — | $284 | — |
| HYLANT GROUP INC Filed as: HYLANT GROUP | 40 PEARL STREET NW SUITE 700 GRAND RAPIDS, MI 49503 | EYEMED VISION CARE | $119 | — | $119 | — |
| HYLANT GROUP INC3 | 40 PEARL STREET NW SUITE 700 GRAND RAPIDS, MI 49503 | HARTFORD LIFE AND ACCIDENT | $0 | $331 | $331 | — |
| CENTRO BENEFITS RESEARCH LLC3 | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | HARTFORD LIFE AND ACCIDENT | $0 | $165 | $165 | — |
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 43604 | HARTFORD LIFE AND ACCIDENT | $0 | $38 | $38 | — |
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 | 208 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 208 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 207 | $803K |
| Dental | DELTA DENTAL OF MICHIGAN | 173 | $68K |
| Vision | EYEMED VISION CARE | 95 | $0 |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 21 | $0 |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 207 | $803K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 207 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.