| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT A KELLEHER3 | PO BOX 1687 TOLEDO, OH 436031687 | BLUE CARE NETWORK OF MICHIGAN | $25K | — | $25K | 1.80% |
| HYLANT GROUP INC3 | 811 MADISON AVENUE TOLEDO, OH 436043604 | BLUE CARE NETWORK OF MICHIGAN | — | $1K | $1K | 0.08% |
| ROBERT A KELLEHER3 | PO BOX 1687 TOLEDO, OH 436031687 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $11K | — | $11K | 1.88% |
| HYLANT GROUP INC3 | 811 MADISON AVENUE TOLEDO, OH 436043604 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $323 | $323 | 0.05% |
| HYLANT GROUP INC3 | 8 CADILLAC DRIVE SUITE 230 BRENTWOOD, TN 37027 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $25K | $11K | $36K | 14.30% |
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 | 414 | 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) | 414 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 316 | $2.0M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 268 | $252K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 268 | $252K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 268 | $252K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 268 | $252K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 268 | $252K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 316 | $2.0M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 268 | $254K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 316 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.