| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GUYLAINE D DONAVAN3 Filed as: GUYLAINE D. DONOVAN | 85 CAMPAU AVENUE NW, SUITE 100 GRAND RAPIDS, MI 49503 | BLUE CARE NETWORK OF MICHIGAN | $16K | $0 | $16K | 2.98% |
| GUYLAINE D DONAVAN3 Filed as: GUYLAINE D. DONOVAN | 85 CAMPAU AVENUE NW, SUITE 100 GRAND RAPIDS, MI 49503 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $9K | $0 | $9K | 2.99% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 85 CAMPAU AVENUE NW, SUITE 100 GRAND RAPIDS, MI 49503 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | $0 | $6K | 7.38% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 811 MADISON AVENUE TOLEDO, OH 43604 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | $0 | $5K | 5.89% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 24 FRANK LLOYD WRIGHT DRIVE SUITE J4100 ANN ARBOR, MI 48105 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $2K | $2K | 2.41% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 811 MADISON AVENUE TOLEDO, OH 43604 | DELTA DENTAL OF MICHIGAN | $4K | $0 | $4K | 6.15% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 811 MADISON AVENUE TOLEDO, OH 43603 | VISION SERVICE PLAN | $836 | $0 | $836 | 6.77% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN ROAD, SUITE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $70 | $0 | $70 | 0.57% |
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 | 271 | 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) | 271 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 107 | $841K |
| Dental | DELTA DENTAL OF MICHIGAN | 192 | $60K |
| Vision | VISION SERVICE PLAN | 64 | $12K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 636 | $83K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 636 | $83K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 636 | $83K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 107 | $841K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 636 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 636 | — |
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.