| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARIANNE FARLEY3 | 2401 WEST BIG BEAVER ROAD SUITE 400 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $35K | — | $35K | 1.25% |
| MARC J LASCESKI3 | 1100 SUPERIOR AVE STE 1500 CLEVELAND, OH 44114 | BLUE CARE NETWORK OF MICHIGAN | $28K | — | $28K | 1.00% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 220 PARK ST STE 2 BIRMINGHAM, MI 48009 | BLUE CARE NETWORK OF MICHIGAN | — | $3K | $3K | 0.11% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD RD. STE 300 KIRKWOOD, MO 63122 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $3K | $10K | 6.32% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 811 MADISON AVENUE TOLEDO, OH 43604 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $1K | $7K | 4.36% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD CO | 950 MAIN AVE STE 1800 CLEVELAND, OH 44113 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $55 | $4K | 2.80% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 811 MADISON AVENUE TOLEDO, OH 43604 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $2K | $5K | 8.98% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVE SUITE 1500 CLEVELAND, OH 44114 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 7.68% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH, LLC | 325 NORTH KIRKWOOD ROAD, SUITE 300 KIRKWOOD, MO 63122 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 5.00% |
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 | 122 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CARE NETWORK OF MICHIGAN | 357 | $2.8M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 192 | $151K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 192 | $151K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 192 | $207K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 192 | $151K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 357 | $2.8M |
| Other(3 contracts, 3 carriers) | BLUE CARE NETWORK OF MICHIGAN | 357 | $3.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 357 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.