| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANDREW J SCHEIDT3 Filed as: ANDREW J. SCHEIDT | 5318 LANGLEWOOD DRIVE WEST BLOOMFIELD, MI 48322 | PRIORITY HEALTH | $66K | $0 | $66K | 3.00% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 811 MADISON AVENUE TOLEDO, OH 43604 | DELTA DENTAL OF MICHIGAN | $5K | $0 | $5K | 3.00% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 811 MADISON AVENUE TOLEDO, OH 43604 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | $2K | $13K | 8.76% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 NORTH KIRKWOOD ROAD, SUITE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $8K | $8K | 5.00% |
| DIANNA LYNN ATCHISON3 | 225 EAST DIVISION STREET ROCKFORD, MI 49341 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $3K | $6K | 19.54% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 201 DEPOT STREET, SUITE 100 ANN ARBOR, MI 48104 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 8.03% |
| CYNTHIA SUSANNE EVERY3 Filed as: CYNTHIA SUSANNE EVERLY | 212 WEST DUNCAN STREET MANCHESTER, MI 48158 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $101 | $3K | 7.91% |
| JEREMY SAMPSEL3 | 401 HALL STREET SW, SUITE 225 GRAND RAPIDS, MI 49503 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $831 | $906 | $2K | 5.32% |
| MELISSA DEVON WRIGHT-HALMON3 | 1109 POINT NORTH JACKSON, MI 49201 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $84 | $0 | $84 | 0.26% |
| SPIES CONSULTING GROUP3 Filed as: SPIES CONSULTING GRP & OTHER AGENTS | 4301 ORCHARD LAKE WEST BLOOMFIELD, MI 48323 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $54 | $2 | $56 | 0.17% |
| DENA ANN MARTHA3 | 225 EAST DIVISION STREET ROCKFORD, MI 49341 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $27 | $0 | $27 | 0.08% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 24 FRANK LLOYD WRIGHT DRIVE SUITE J4100 ANN ARBOR, MI 48105 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $2K | $0 | $2K | 9.30% |
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 | 525 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 526 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRIORITY HEALTH | 475 | $2.2M |
| Dental | DELTA DENTAL OF MICHIGAN | 482 | $181K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 412 | $21K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 525 | $152K |
| Short-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 525 | $185K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 525 | $152K |
| Prescription drug | PRIORITY HEALTH | 475 | $2.2M |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 3,787 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,787 | — |
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.