| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT A KELLEHER3 Filed as: ROBERT A. KELLEHER | 2401 WEST BIG BEAVER ROAD STE 400 TROY, MI 480848084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $55K | — | $55K | 4.95% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP INC. | 2401 WEST BIG BEAVER ROAD STE 400 TROY, MI 480848084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $1K | $1K | 0.11% |
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 43604 | DELTA DENTAL OF MICHIGAN | $5K | — | $5K | 7.91% |
| HYLANT GROUP INC3 | 24 FRANK LLOYD WRIGHT DR PO BOX 541 STE J4100 ANN ARBOR, MI 48105 | RELIANCE STANDARD | $8K | — | $8K | 15.44% |
| AVANT SPECIALTY BENEFITS LLC3 | 1828 WALNUT STREET SUITE 801 KANSAS CITY, MO 64108 | RELIANCE STANDARD | $2K | — | $2K | 4.56% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | P.O. BOX 1687 TOLEDO, OH 43606 | EYEMED VISION CARE | $1K | — | $1K | 10.02% |
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 | 139 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 207 | $1.1M |
| Dental | DELTA DENTAL OF MICHIGAN | 164 | $62K |
| Vision | EYEMED VISION CARE | 150 | $10K |
| Life insurance | RELIANCE STANDARD | 225 | $49K |
| Short-term disability | RELIANCE STANDARD | 225 | $49K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 207 | $1.1M |
| Other | RELIANCE STANDARD | 225 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 225 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.