| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HYLANT GROUP INC3 | 811 MADISON AVENUE TOLEDO, OH 43604 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $84K | $6K | $90K | 21.41% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 NORTH KIRKWOOD ROAD KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | — | $12K | 2.77% |
| HYLANT GROUP INC3 | 811 MADISON AVENUE TOLEDO, OH 43604 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $67K | $5K | $72K | 21.39% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 NORTH KIRKWOOD ROAD KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $9K | $9K | 2.78% |
| HYLANT GROUP INC3 | 811 MADISON AVENUE TOLEDO, OH 43604 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $22K | $2K | $24K | 10.87% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 NORTH KIRKWOOD ROAD KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $6K | $6K | 2.86% |
| DAVID N SOKOL3 Filed as: DAVID NEIL SOKOL | 901 WILSHIRE DRIVE SUITE 330 TROY, MI 48084 | NORTHWESTERN MUTUAL | $6K | $1K | $7K | 4.60% |
| LAWRENCE DUANE BOS3 | 333 BRIDGE STREET NORTHWEST SUITE 1200 GRAND RAPIDS, MI 49504 | NORTHWESTERN MUTUAL | $4K | $1K | $5K | 3.49% |
| DANIEL DAVID HORNING3 | 5800 GULF SHORES DRIVE #33 BOCA GRANDE, FL 33921 | NORTHWESTERN MUTUAL | $4K | $1K | $5K | 3.45% |
| JD GENERAL AGENCY LLC3 | 333 BRIDGE STREET NORTHWEST GRAND RAPIDS, MI 49504 | NORTHWESTERN MUTUAL | $2K | $205 | $2K | 1.24% |
| MIRABELLA FNCL GRP LLC3 | 101 WEST BIG BEAVER ROAD SUITE 500 TROY, MI 48084 | NORTHWESTERN MUTUAL | $1K | $136 | $1K | 0.82% |
| HYLANT GROUP INC3 | 811 MADISON AVENUE TOLEDO, OH 43604 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | $1K | $11K | 11.53% |
| HYLANT GROUP INC3 | 811 MADISON AVENUE TOLEDO, OH 43604 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $645 | $9K | 21.49% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 NORTH KIRKWOOD ROAD KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 2.76% |
| GRIFFIN, STEVEN, RAY3 | 2000 MORRIS AVENUE SUITE 1400 BIRMINGHAM, AL 35203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $30 | — | $30 | 2.63% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC. | 233 SOUTH WACKER DRIVE SUITE 2000 CHICAGO, IL 60606 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3 | — | $3 | 0.26% |
| PIERCE, DWIGHT, L3 Filed as: PIERCE, DWIGHT, L BENEFITS TECHNOLO | 1200 EAST TAFT AVENUE SAPULPA, OK 74066 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3 | — | $3 | 0.26% |
| ACRISURE LLC3 | PO BOX 1788 GRAND RAPIDS, MI 49501 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2 | — | $2 | 0.18% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MAGELLAN RX MANAGEMENT, LLC EIN 46-3708039 PHARMACY BENEFIT MANAGEM | Other fees; Direct payment from the plan; Claims processing Service code 12 | — | $70K |
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 | 1,607 | 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) | 1,607 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,129 | $562K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 648 | $421K |
| Long-term disability | NORTHWESTERN MUTUAL | 473 | $155K |
| Stop-loss / reinsurancereinsurance | ARDELLIS INSURANCE LTD. | 1,709 | $161K |
| Other(5 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,129 | $701K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,129 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.