| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VANESSA L VOWLES3 | PO BOX 948 HENRIETTA, NY 144874487 | BLUE CARE NETWORK OF MICHIGAN | $15K | — | $15K | 2.63% |
| DAWN M KASS3 | 5173 ALEXANDRIA DR SW WYOMING, MI 484189772 | BLUE CARE NETWORK OF MICHIGAN | $7K | $164 | $7K | 1.27% |
| VANESSA L VOWLES3 | PO BOX 948 HENRIETTA, NY 144874487 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $2K | — | $2K | 1.39% |
| DAWN M KASS3 | 5173 ALEXANDRIA DR SW WYOMING, MI 484189772 | BLUE CROSS BLUE SHIELD OF MICHIGAN | -$963 | $2K | $1K | 1.01% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX INSURANCE AGENCY | 150 SAWGRASS DR ROCHESTER, NY 14620 | DELTA DENTAL OF MICHIGAN | $4K | — | $4K | 4.69% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 8 CADILLAC DR STE 230 BRENTWOOD, TN 37027 | DELTA DENTAL OF MICHIGAN | $739 | — | $739 | 0.97% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX INSURANCE AGENCY INC | 150 SAWGRASS DR ROCHESTER, NY 14620 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $145 | $2K | 12.70% |
| HYLANT GROUP INC3 | 811 MADISON AVE 8TH FL TOLEDO, OH 43604 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $483 | — | $483 | 2.55% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX INSURANCE AGENCY INC | 150 SAWGRASS DRIVE ROCHESTER, NY 14620 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $170 | $2K | 13.66% |
| HYLANT GROUP INC3 | 811 MADISON AVE 8TH FL TOLEDO, OH 43604 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $397 | — | $397 | 2.35% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX INSURANCE AGENCY | PO BOX 948 HENRIETTA, NY 144670948 | VISION SERVICE PLAN | $826 | — | $826 | 6.15% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 811 MADISON AVE TOLEDO, OH 43603 | VISION SERVICE PLAN | $46 | — | $46 | 0.34% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX INSURANCE AGENCY INC | 150 SAWGRASS DR ROCHESTER, NY 14620 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $772 | $57 | $829 | 11.16% |
| HYLANT GROUP INC3 | 811 MADISON AVE 8TH FL TOLEDO, OH 43604 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $162 | — | $162 | 2.18% |
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 | 169 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 169 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 234 | $680K |
| Dental | DELTA DENTAL OF MICHIGAN | 254 | $76K |
| Vision | VISION SERVICE PLAN | 110 | $13K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 169 | $7K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 169 | $19K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 234 | $680K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 169 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 254 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.