| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOSEPH J HANEY3 Filed as: JOSEPH J. HANEY | 42560 VAN DYKE STERLING HEIGHTS, MI 48314 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $25K | $0 | $25K | 2.52% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 811 MADISON AVENUE TOLEDO, OH 43604 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $8K | $0 | $8K | 0.76% |
| ASSUREDPARTNERS3 | 13900 LAKESIDE CIRCLE STERLING HEIGHTS, MI 48313 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $2K | $2K | 0.18% |
| JOSEPH J HANEY3 Filed as: JOSEPH J. HANEY | 42560 VAN DYKE STERLING HEIGHTS, MI 48314 | BLUE CARE NETWORK OF MICHIGAN | $16K | $0 | $16K | 2.21% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 811 MADISON AVENUE TOLEDO, OH 43604 | BLUE CARE NETWORK OF MICHIGAN | $6K | $0 | $6K | 0.82% |
| ASSUREDPARTNERS3 | 13900 LAKESIDE CIRCLE STERLING HEIGHTS, MI 48313 | BLUE CARE NETWORK OF MICHIGAN | $0 | $772 | $772 | 0.11% |
| THE STERLING GROUP INC3 Filed as: THE STERLING GROUP, INC. | 13900 LAKESIDE CIRCLE STERLING HEIGHTS, MI 48313 | STANDARD INSURANCE COMPANY | $18K | $0 | $18K | 12.27% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 811 MADISON AVENUE TOLEDO, OH 43604 | STANDARD INSURANCE COMPANY | $4K | $0 | $4K | 2.71% |
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 | 125 | 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) | 125 | 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 | 216 | $1.7M |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 216 | $1.0M |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 216 | $1.0M |
| Life insurance | STANDARD INSURANCE COMPANY | 125 | $147K |
| Short-term disability | STANDARD INSURANCE COMPANY | 125 | $147K |
| Long-term disability | STANDARD INSURANCE COMPANY | 125 | $147K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 216 | $1.7M |
| Other | STANDARD INSURANCE COMPANY | 125 | $147K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 216 | — |
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."
No prospect flags tripped on this filing.