| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRADLEY GARDNER3 | 2401 WEST BIG BEAVER ROAD SUITE 400 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $60K | $0 | $60K | 4.57% |
| HYLANT GROUP INC3 | 2401 WEST BIG BEAVER ROAD SUITE 400 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $0 | $2K | $2K | 0.11% |
| HYLANT GROUP INC3 | 811 MADISON AVENUE TOLEDO, OH 43604 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $24K | $6K | $31K | 18.92% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 NORTH KIRKWOOD ROAD, SUITE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $7K | $7K | 4.16% |
| HYLANT GROUP INC3 | 811 MADISON AVENUE TOLEDO, OH 43604 | DELTA DENTAL OF MICHIGAN | $8K | $0 | $8K | 9.89% |
| HYLANT GROUP INC3 | 2401 WEST BIG BEAVER ROAD SUITE 400 TROY, MI 48084 | HUMANA INSURANCE COMPANY | $1K | $0 | $1K | 2.47% |
| BRADLEY GARDNER3 | 2401 WEST BIG BEAVER ROAD SUITE 400 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $1K | $0 | $1K | 3.70% |
| HYLANT GROUP INC3 | 2401 WEST BIG BEAVER ROAD SUITE 400 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $39 | $39 | 0.12% |
| HYLANT GROUP INC3 | 2401 WEST BIG BEAVER ROAD SUITE 400 TROY, MI 48084 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $1K | $0 | $1K | 9.92% |
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 | 151 | 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) | 151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CARE NETWORK OF MICHIGAN | 235 | $1.4M |
| Dental | DELTA DENTAL OF MICHIGAN | 240 | $77K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | 236 | $12K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 151 | $161K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 151 | $161K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 151 | $161K |
| Prescription drug(3 contracts, 3 carriers) | BLUE CARE NETWORK OF MICHIGAN | 235 | $1.4M |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 151 | $161K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 240 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.