| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARIANNE FARLEY3 | 2401 WEST BIG BEAVER ROAD SUITE 400 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $70K | $0 | $70K | 5.39% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 220 PARK STREET, SUITE 2 BIRMINGHAM, MI 48009 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $744 | $744 | 0.06% |
| HYLANT GROUP INC3 | 2401 WEST BIG BEAVER ROAD SUITE 400 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $3K | $14K | 8.89% |
| MARIANNE FARLEY3 | 2401 WEST BIG BEAVER ROAD SUITE 400 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $6K | $0 | $6K | 4.97% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 220 PARK STREET, SUITE 2 BIRMINGHAM, MI 48009 | BLUE CARE NETWORK OF MICHIGAN | $0 | $192 | $192 | 0.16% |
| HYLANT GROUP INC3 | 201 DEPOT STREET, SUITE 100 ANN ARBOR, MI 48104 | AMERITAS LIFE INSURANCE CORP | $9K | $0 | $9K | 10.32% |
| HYLANT GROUP INC3 | 2401 WEST BIG BEAVER ROAD SUITE 400 TROY, MI 48084 | UNUM INSURANCE COMPANY | $5K | $1K | $6K | 22.82% |
| HYLANT GROUP INC3 | 24 FRANK LLOYD WRIGHT DRIVE SUITE J4100 ANN ARBOR, MI 48106 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 11.91% |
| HYLANT GROUP INC3 | 2401 WEST BIG BEAVER ROAD SUITE 400 TROY, MI 48084 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $517 | $517 | 3.31% |
| BAKER, DONALD GREGORY3 | 26400 LAHSER ROAD, SUITE 312 SOUTHFIELD, MI 48033 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $344 | $0 | $344 | 2.21% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC | 1250 CAPITAL OF TEXAS HIGHWAY SOUTH BUILDING 2, SUITE 125 AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $137 | $137 | 0.88% |
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 | 138 | 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) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 201 | $1.4M |
| Dental | AMERITAS LIFE INSURANCE CORP | 217 | $84K |
| Vision | AMERITAS LIFE INSURANCE CORP | 217 | $84K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 138 | $161K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 138 | $161K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 138 | $161K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 201 | $1.4M |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 138 | $201K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 217 | — |
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.