| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARIANNE FARLEY3 | 2401 W BIG BEAVER RD STE 400 TROY, MI 480848084 | BLUE CARE NETWORK OF MICHIGAN | $23K | — | $23K | 4.42% |
| CHRISTOPHER MISSETT3 | THE SAFEGARD GROUP 100 GRANITE DR STE 205 MEDIA, PA 190639063 | BLUE CARE NETWORK OF MICHIGAN | $3K | — | $3K | 0.54% |
| MARIANNE FARLEY3 | 2401 BIG BEAVER RD STE 400 TROY, MI 480848084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $23K | — | $23K | 4.43% |
| CHRISTOPHER MISSETT3 | THE SAFEGARD GROUP 100 GRANITE DR SUITE 205 MEDIA, PA 190639063 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $1K | — | $1K | 0.26% |
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 43604 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $3K | $11K | 12.87% |
| THE SAFEGARD GROUP INC3 Filed as: SAFEGARD GROUP INC | 100 GRANITE DR STE 205 MEDIA, PA 19063 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 1.81% |
| HYLANT GROUP INC3 | MARIANNE FARLEY 811 MADISON AVE TOLEDO, OH 43604 | DELTA DENTAL OF MICHIGAN | $3K | — | $3K | 4.60% |
| THE SAFEGARD GROUP INC3 Filed as: THE SAFEGARD GROUP INC. | CHRISTOPHER MISSETT 100 GRANITE DR STE 205 MEDIA, PA 19063 | DELTA DENTAL OF MICHIGAN | $201 | — | $201 | 0.31% |
| HYLANT GROUP INC3 | 24 FRANK LLOYD WRIGHT DRIVE ANN ARBOR, MI 481059484 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | $962 | — | $962 | 9.22% |
| THE SAFEGARD GROUP INC3 | 100 GRANITE DRIVE MEDIA, PA 19063 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | $86 | — | $86 | 0.82% |
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 | 115 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 97 | $1.0M |
| Dental | DELTA DENTAL OF MICHIGAN | 173 | $65K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | 158 | $10K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 115 | $82K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 115 | $82K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 115 | $82K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 97 | $1.0M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 115 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 173 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.