| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GUYLAINE D DONAVAN3 Filed as: GUYLAINE DONOVAN | 85 CAMPAU AVENUE NW, SUITE 100 GRAND RAPIDS, MI 49503 | PRIORITY HEALTH | $156K | $0 | $156K | 1.92% |
| GUYLAINE D DONAVAN3 Filed as: GUYLAINE DONOVAN | 85 CAMPAU AVENUE NW, SUITE 100 GRAND RAPIDS, MI 49503 | PRIORITY HEALTH INSURANCE COMPANY | $27K | $0 | $27K | 1.75% |
| HYLANT GROUP INC3 | 811 MADISON AVENUE TOLEDO, OH 43604 | FLORIDA HEALTH CARE PLANS, INC. | $41K | $0 | $41K | 3.50% |
| HYLANT GROUP INC3 | 24 FRANK LLOYD WRIGHT DRIVE SUITE J4100 ANN ARBOR, MI 48105 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $47K | $6K | $53K | 14.43% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 NORTH KIRKWOOD ROAD, SUITE 300 KIRKWOOD, MO 63122 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $17K | $0 | $17K | 4.55% |
| HYLANT GROUP INC3 | 811 MADISON AVENUE TOLEDO, OH 43604 | STANDARD INSURANCE COMPANY | $22K | $0 | $22K | 18.45% |
| HYLANT GROUP INC3 | 85 CAMPAU AVENUE NW, SUITE 100 GRAND RAPIDS, MI 49503 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $472 | $0 | $472 | 10.00% |
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 | 1,907 | 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) | 1,907 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | PRIORITY HEALTH | 1,466 | $10.9M |
| Vision | VISION SERVICE PLAN | 709 | $129K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,902 | $365K |
| Prescription drug(3 contracts, 3 carriers) | PRIORITY HEALTH | 1,466 | $10.9M |
| Other(3 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,907 | $501K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,907 | — |
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.