| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHIGAN CHAMBER SERVICES, INC.3 | 600 S WALNUT ST LANSING, MI 489332209 | DELTA DENTAL OF MCHIGAN | $13K | — | $13K | 23.55% |
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 43604 | DELTA DENTAL OF MCHIGAN | $1K | $124 | $2K | 2.91% |
| LENZ & ASSOCIATES INC3 Filed as: LENZ-BALDER INSURANCE, INC. | 201 E COURT ST LUDINGTON, MI 49431 | DELTA DENTAL OF MCHIGAN | $185 | — | $185 | 0.34% |
| HYLANT GROUP INC3 | 85 CAMPAU AVE NW SUITE 100 GRAND RAPIDS, MI 49503 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $317 | $3K | 16.69% |
| LENZ & ASSOCIATES INC3 Filed as: LENZ & ASSOCIATES, INC. | 201 E COURT ST LUDINGTON, MI 49431 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $361 | — | $361 | 1.98% |
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 43603 | VISION SERVICE PLAN | $571 | — | $571 | 4.31% |
| LENZ & ASSOCIATES INC3 Filed as: LENZ & ASSOCIATES, INC. | 201 E COURT ST LUDINGTON, MI 494311703 | VISION SERVICE PLAN | $87 | — | $87 | 0.66% |
| HYLANT GROUP INC3 | 85 CAMPAU AVE NW SUITE 100 GRAND RAPIDS, MI 49503 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $175 | $2K | 14.96% |
| LENZ & ASSOCIATES INC3 Filed as: LENZ & ASSOC INC | 201 E COURT ST LUDINGTON, MI 49431 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $191 | — | $191 | 1.90% |
| HYLANT GROUP INC3 | 85 CAMPAU AVE NW SUITE 100 GRAND RAPIDS, MI 49503 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $159 | $2K | 16.31% |
| LENZ & ASSOCIATES INC3 Filed as: LENZ & ASSOCIATES, INC. | 201 E COURT ST LUDINGTON, MI 49431 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $208 | — | $208 | 2.23% |
| HYLANT GROUP INC3 | 85 CAMPAU AVE NW SUITE 100 GRAND RAPIDS, MI 49503 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $210 | — | $210 | 4.41% |
| LENZ & ASSOCIATES INC3 Filed as: LENZ & ASSOCIATES, INC. | 201 E COURT ST LUDINGTON, MI 49431 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $22 | — | $22 | 0.46% |
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 | 103 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 103 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MCHIGAN | 131 | $55K |
| Vision | VISION SERVICE PLAN | 64 | $13K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 104 | $28K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 19 | $9K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 20 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 131 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.