| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GUYLAINE D DONAVAN3 | 85 CAMPAU AVE. SUITE 100 GRAND RAPIDS, MI 49503 | BLUE CARE NETWORK OF MICHIGAN | $32K | — | $32K | 4.95% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP INC. | 220 PARK ST STE 2 BIRMINGHAM, MI 48009 | BLUE CARE NETWORK OF MICHIGAN | — | $708 | $708 | 0.11% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | GUYLAINE DONAVAN 811 MADISON AVE TOLEDO, OH 43604 | DELTA DENTAL OF MICHIGAN | $3K | — | $3K | 6.25% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP INC. | 811 MADISON AVE 8TH FL TOLEDO, OH 43604 | HARTFORD LIFE AND ACCIDENT | $6K | — | $6K | 13.05% |
| CENTRO BENEFITS RESEARCH LLC3 | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | HARTFORD LIFE AND ACCIDENT | — | $2K | $2K | 5.00% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP INC. | 10401 NORTH MERIDIAN STE 200 CARMEL, IN 46290 | HARTFORD LIFE AND ACCIDENT | — | $629 | $629 | 1.48% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 811 MADISON AVE. TOLEDO, OH 43604 | NATIONAL VISION ADMINISTRATORS, LLC | $439 | — | $439 | 9.99% |
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 | 109 | 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) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CARE NETWORK OF MICHIGAN | 72 | $638K |
| Dental | DELTA DENTAL OF MICHIGAN | 105 | $43K |
| Vision | NATIONAL VISION ADMINISTRATORS, LLC | 85 | $4K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 110 | $43K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 110 | $43K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 110 | $43K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 72 | $638K |
| Other | HARTFORD LIFE AND ACCIDENT | 110 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 110 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.