| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CONE W. LIGHTHALL3 | 24 FRANK LLOYD WRIGHT DRIVE SUITE J4100 ANN ARBOR, MI 48105 | PRIORITY HEALTH | $64K | $0 | $64K | 3.00% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 8 CADILLAC DRIVE BRENTWOOD, TN 37027 | DELTA DENTAL OF MICHIGAN | $6K | $0 | $6K | 2.86% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 811 MADISON AVENUE, 8TH FLOOR TOLEDO, OH 43604 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $1K | $13K | 10.10% |
| DON DAVIS CONSULTING4 | 11417 FELLOWS CREEK DRIVE PLYMOUTH, MI 48170 | ULLIANCE, INC. | $1K | $0 | $1K | 6.38% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 24 FRANK LLOYD WRIGHT DRIVE ANN ARBOR, MI 48105 | EYEMED | $1K | $0 | $1K | 8.36% |
| W F HILL AND ASSOCIATES INC3 Filed as: W F HILL AND ASSOCIATES, INC. | 600 WEST LAFAYETTE DETROIT, MI 48226 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $358 | $354 | $712 | 14.70% |
| DIANNA LYNN ATCHISON3 | 15130 SNOWBERRY COURT SPRING LAKE, MI 49456 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $638 | $58 | $696 | 14.37% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 8 CADILLAC DRIVE, SUITE 230 BRENTWOOD, TN 37027 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $412 | $0 | $412 | 8.50% |
| CYNTHIA SUSANNE EVERY3 | 212 WEST DUNCAN MANCHESTER, MI 48158 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $381 | $9 | $390 | 8.05% |
| JASON RODERICK3 | 2130 28TH STREET SW WYOMING, MI 49519 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $369 | $0 | $369 | 7.62% |
| CHARLES ALLEN PINKERTON3 | 2653 CADES COVE BRIGHTON, MI 48114 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $127 | $57 | $184 | 3.80% |
| EVETTE SUSAN KENDZIERSKI3 | 22596 CLEARWATER DRIVE MACOMB, MI 48044 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.02% |
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 | 484 | 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) | 490 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRIORITY HEALTH | 518 | $2.1M |
| Dental | DELTA DENTAL OF MICHIGAN | 519 | $204K |
| Vision | EYEMED | 265 | $13K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 484 | $125K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 484 | $125K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 484 | $125K |
| Prescription drug | PRIORITY HEALTH | 518 | $2.1M |
| Other(2 contracts, 2 carriers) | ULLIANCE, INC. | 917 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 917 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.