| 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 | $50K | $0 | $50K | 4.93% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 2401 WEST BIG BEAVER ROAD SUITE 400 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $796 | $796 | 0.08% |
| HYLANT GROUP INC3 | 2401 WEST BIG BEAVER ROAD SUITE 400 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | $3K | $18K | 11.50% |
| MARIANNE FARLEY3 | 2401 WEST BIG BEAVER ROAD SUITE 400 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $5K | $0 | $5K | 4.94% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 2401 WEST BIG BEAVER ROAD SUITE 400 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $0 | $183 | $183 | 0.18% |
| HYLANT GROUP INC3 | 2401 WEST BIG BEAVER ROAD SUITE 400 TROY, MI 48084 | STARMOUNT LIFE INSURANCE COMPANY | $11K | $2K | $13K | 14.71% |
| HYLANT GROUP INC3 | 24 FRANK LLOYD WRIGHT DRIVE SUITE J4100 ANN ARBOR, MI 48105 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 14.08% |
| DONALD BAKER3 | 26400 LAHSER ROAD, SUITE 312 SOUTHFIELD, MI 48033 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $337 | $0 | $337 | 2.87% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HIGHWAY S BUILDING 2, SUITE 600 AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $135 | $135 | 1.15% |
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 | 122 | 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) | 122 | 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 | 164 | $1.1M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 90 | $91K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 90 | $91K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 122 | $152K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 122 | $152K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 122 | $152K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 164 | $1.1M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 122 | $164K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 164 | — |
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.