| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HYLANT GROUP INC3 | 85 CAMPAU AVE NW, SUITE 100 GRAND RAPIDS, MI 49503 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $26K | $7K | $33K | 5.05% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $26K | — | $26K | 4.01% |
| PETER J MACE3 | 5775 D GLENRIDGE DRIVE, SUITE 350 ATLANTA, GA 30328 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $29K | — | $29K | 8.80% |
| HYLANT GROUP INC3 | 85 CAMPAU AVE NW, SUITE 100 GRAND RAPIDS, MI 49503 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17K | $258 | $17K | 5.21% |
| HODGES-MACE BENEFIT GRP3 Filed as: HODGES-MACE BENEFIT GROUP INC | 5775-D GLENRIDGE DRIVE NE SUITE 350 ATLANTA, GA 30328 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 0.65% |
| WEYCO INC3 Filed as: WEYCO, INC | 2370 SCIENCE PKWY OKEMOS, MI 48864 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $281 | — | $281 | 1.22% |
| CUSTON BENEFIT PROGRAMS3 Filed as: CUSTON BENEFIT PROGRAMS, INC | 897 12TH ST HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $196 | — | $196 | 0.85% |
| TITAN BENEFIT COMMUNICATIONS LLC3 Filed as: TITAN BENEFIT COMMUNICATIONS, LLC | 504 EAST 4TH ST ROYAL OAK, MI 48067 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $148 | — | $148 | 0.64% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $70 | — | $70 | 0.30% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC | 811 MADISON AVE TOLEDO, OH 43604 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.04% |
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 | 1,561 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 21 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,582 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,139 | $332K |
| Vision | VISION SERVICE PLAN | 1,215 | $220K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,554 | $668K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,554 | $645K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,554 | $645K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,554 | — |
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.