| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARY JO LEFEVRE3 | 2401 BIG BEAVER ROAD, SUITE 400 TROY, MI 480843327 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $23K | — | $23K | 1.14% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | P.O. BOX 541 ANN ARBOR, MI 481060541 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $2K | $2K | 0.09% |
| MARY JO LEFEVRE3 | 2401 BIG BEAVER ROAD, SUITE 400 TROY, MI 480843327 | BLUE CARE NETWORK OF MICHIGAN | $23K | — | $23K | 1.36% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | P.O. BOX 541 ANN ARBOR, MI 481060541 | BLUE CARE NETWORK OF MICHIGAN | — | $2K | $2K | 0.11% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 811 MADISON AVENUE TOLEDO, OH 436045864 | METROPOLITAN LIFE INSURANCE COMPANY | $94K | $82 | $94K | 10.08% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 811 MADISON AVENUE TOLEDO, OH 436045864 | METROPOLITAN LIFE INSURANCE COMPANY | — | $9K | $9K | 1.01% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 811 MADISON AVENUE TOLEDO, OH 436045864 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8K | — | $8K | 10.00% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 2401 BIG BEAVER ROAD, SUITE 400 TROY, MI 48084 | ARAG INSURANCE COMPANY | $1K | — | $1K | 9.21% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 NONE | Claims processing; Contract Administrator Service code 12 | — | $17K |
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 | 433 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 437 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 547 | $3.8M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 887 | $1.0M |
| Vision | VISION SERVICE PLAN | 284 | $51K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 887 | $931K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 887 | $931K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 887 | $931K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 547 | $3.8M |
| Other(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 887 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 887 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.