| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 811 MADISON AVENUE 8TH FLOOR TOLEDO, OH 43604 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $24K | $9K | $33K | 20.85% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | EIGHT CADILLAC DRIVE, SUITE 230 BRENTWOOD, TN 37027 | DELTA DENTAL OF MICHIGAN | $13K | $0 | $13K | 9.17% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 24 FRANK LLOYD WRIGHT DRIVE ANN ARBOR, MI 48105 | EYEMED VISION CARE | $3K | $0 | $3K | 9.81% |
| WILLIAM BORNEMAN3 | 1427 BROOKE ROAD POTTSTOWN, PA 19464 | AFLAC | $378 | $0 | $378 | 2.09% |
| YVONNE BREWER3 | 2474 SAWMP PIKE GILBERTSVILLE, PA 19525 | AFLAC | $290 | $0 | $290 | 1.60% |
| DANIEL MARCIN INSURANCE INC3 | 760 ALLEGHENY RIVER BOULEVARD SUITE 200 VERONA, PA 15147 | AFLAC | $276 | $0 | $276 | 1.53% |
| JAMES BROOKS3 | 101 COPPER BEACH LANE WOMELSDORF, PA 19567 | AFLAC | $217 | $0 | $217 | 1.20% |
| GEORGE A BITTEL3 Filed as: GEORGE BITTEL | 129 MARION DRIVE MCMURRAY, PA 15317 | AFLAC | $145 | $37 | $182 | 1.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: KIMBERLEY GALLAGHER | 4603 ASH DRIVE NAZARETH, PA 18064 | AFLAC | $88 | $7 | $95 | 0.53% |
| MJ INSURANCE3 Filed as: EVELYN WASHCHUK AND VARIOUS AGENTS | 28 1ST STREET MOUNT CLEMENS, MI 48043 | AFLAC | $50 | $0 | $50 | 0.28% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE KEUNING INS GROUP | 4808 BROADMOOR SE GRAND RAPIDS, MI 49512 | CONTINENTAL AMERICAN INSURANCE COMPANY | $135 | $0 | $135 | 3.02% |
| JEREMY D SAMPSEL3 | 3030 9TH STREET SUITE 2K KALAMAZOO, MI 49009 | CONTINENTAL AMERICAN INSURANCE COMPANY | $65 | $0 | $65 | 1.45% |
| TAMARA J YOUNGS3 | 12045 JENKS STREET NE BELDING, MI 48809 | CONTINENTAL AMERICAN INSURANCE COMPANY | $51 | $0 | $51 | 1.14% |
| JEFFREY C WERNER3 | 18086 TRUDY DRIVE SPRING LAKE, MI 49456 | CONTINENTAL AMERICAN INSURANCE COMPANY | $38 | $0 | $38 | 0.85% |
| JIM M BULLOCK3 | 3715 POWDERHORN DRIVE OKEMOS, MI 48864 | CONTINENTAL AMERICAN INSURANCE COMPANY | $38 | $0 | $38 | 0.85% |
| AG AND ASSOCIATES3 | 2150 ASSOCIATION DRIVE SUITE 150 OKEMOS, MI 48864 | CONTINENTAL AMERICAN INSURANCE COMPANY | $30 | $0 | $30 | 0.67% |
| MJ INSURANCE3 Filed as: EDWARD O WALTER & VARIOUS AGENTS | 505 CHERRY STREET SE SUITE 309 GRAND RAPIDS, MI 49503 | CONTINENTAL AMERICAN INSURANCE COMPANY | $27 | $0 | $27 | 0.60% |
| RYAN GOLDBERG3 | 103 CHURCH STREET SUITE 3 PHILADELPHIA, PA 19106 | AFLAC | $28 | $0 | $28 | 6.09% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY R ORGERA INC | 14 WALL STREET SUITE 8C NEW YORK, NY 10005 | AFLAC | $15 | $0 | $15 | 3.26% |
| TREVOR FENNELL3 | 11835 QUEENS BOULEVARD SUITE 1403 FOREST HILLS, NY 11375 | AFLAC | $7 | $0 | $7 | 1.52% |
| KENNETH C MEIER CORP3 | 401 FRANKLIN AVENUE SUITE 312 GARDEN CITY, NJ 11530 | AFLAC | $5 | $0 | $5 | 1.09% |
| BRIAN WHITE3 | SIX COWDIN LANE CHAPPAQUA, NY 10514 | AFLAC | $1 | $0 | $1 | 0.22% |
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 | 588 | 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) | 588 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CONTINENTAL AMERICAN INSURANCE COMPANY | 28 | $4K |
| Dental | DELTA DENTAL OF MICHIGAN | 553 | $144K |
| Vision | EYEMED VISION CARE | 471 | $31K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 588 | $157K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 588 | $157K |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 588 | $176K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 588 | — |
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.