| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CONE W. LIGHTHALL3 Filed as: CONE LIGHTHALL | 24 FRANK LLOYD WRIGHT DRIVE ANN ARBOR, MI 48105 | PRIORITY HEALTH | $57K | $0 | $57K | 3.03% |
| HYLANT GROUP INC3 | 811 MADISON AVENUE TOLEDO, OH 43604 | DELTA DENTAL OF MICHIGAN | $5K | $0 | $5K | 2.96% |
| HYLANT GROUP INC3 | 24 FRANK LLOYD WRIGHT DRIVE ANN ARBOR, MI 48105 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $3K | $14K | 10.13% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 NORTH KIRKWOOD ROAD, SUITE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.85% |
| D. DAVIS CONSULTING3 | 11417 FELLOWS CREEK DRIVE PLYMOUTH, MI 48170 | ULLIANCE, INC. | — | $2K | $2K | 7.78% |
| DIANA ATCHISON3 | 225 EAST DIVISION ROCKFORD, MI 49341 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $517 | $2K | 11.83% |
| HYLANT GROUP INC3 | 2401 WEST BIG BEAVER ROAD SUITE 400 TROY, MI 48084 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $46 | $2K | 8.67% |
| JEREMY SAMPSEL3 | 401 HALL STREET SW GRAND RAPIDS, MI 49503 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $406 | $497 | $903 | 4.76% |
| CYNTHIA SUSANNE EVERY3 Filed as: CYNTHIA EVERY | 212 WEST DUNCAN MANCHESTER, MI 48158 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $548 | $8 | $556 | 2.93% |
| DENA ANN MARTHA3 Filed as: DENA MARTHA | 225 EAST DIVISION STREET ROCKFORD, MI 49341 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $307 | $1 | $308 | 1.62% |
| MELISSA DEVON WRIGHT-HALMON3 Filed as: MELISSA HALMON | 1109 POINT NORTH STREET JACKSON, MI 49201 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $86 | $16 | $102 | 0.54% |
| MJ INSURANCE3 Filed as: MICHAEL HOOVER AND VARIOUS AGENTS | 206 LAKE STREET ELK RAPIDS, MI 49629 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $80 | $9 | $89 | 0.47% |
| HYLANT GROUP INC3 | 24 FRANK LLOYD WRIGHT DRIVE ANN ARBOR, MI 48105 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $2K | $0 | $2K | 10.94% |
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 | 378 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 23 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 405 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRIORITY HEALTH | 473 | $1.9M |
| Dental | DELTA DENTAL OF MICHIGAN | 474 | $182K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 383 | $17K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 481 | $138K |
| Short-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 481 | $157K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 481 | $138K |
| Prescription drug | PRIORITY HEALTH | 473 | $1.9M |
| Other(2 contracts, 2 carriers) | ULLIANCE, INC. | 945 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 945 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.