| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHELLE WILLARD3 | 2401 WEST BIG BEAVER ROAD SUITE 400 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $66K | — | $66K | 3.21% |
| HYLANT GROUP INC3 | 811 MADISON AVENUE TOLEDO, OH 43604 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $8K | $8K | 0.40% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL | 50 LOUIS STREET NORTHWEST SUITE 200 GRAND RAPIDS, MI 49503 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $471 | $3K | 4.06% |
| HYLANT GROUP INC3 | 811 MADISON AVENUE TOLEDO, OH 43604 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $492 | $492 | 0.60% |
| HYLANT GROUP INC3 | 811 MADISON AVENUE TOLEDO, OH 43604 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $154 | $294 | $448 | 0.95% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL | 50 LOUIS STREET NORTHWEST SUITE 200 GRAND RAPIDS, MI 49503 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $282 | $282 | 0.60% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL | 50 LOUIS STREET NORTHWEST SUITE 200 GRAND RAPIDS, MI 49503 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $175 | $3K | 10.21% |
| HYLANT GROUP INC3 | 811 MADISON AVENUE TOLEDO, OH 43604 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $184 | $184 | 0.61% |
| HYLANT GROUP INC3 | 811 MADISON AVENUE TOLEDO, OH 43604 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $220 | $66 | $286 | 2.70% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL | 50 LOUIS STREET NORTHWEST SUITE 200 GRAND RAPIDS, MI 49503 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $63 | $63 | 0.60% |
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 | 402 | 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) | 402 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 510 | $2.1M |
| Dental | DELTA DENTAL OF MICHIGAN | 537 | $185K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 402 | $47K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 409 | $82K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 409 | $30K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 510 | $2.1M |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 403 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 537 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.