| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HYLANT GROUP INC3 | 811 MADISON AVENUE TOLEDO, OH 43604 | HARTFORD LIFE AND ACCIDENT | $53K | — | $53K | 11.58% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: RISKE BROWN & ASSOCIATES | 5046 SOUTHWEST BAY DRIVE SUITE D SUTTONS BAY, MI 49682 | HARTFORD LIFE AND ACCIDENT | $12K | — | $12K | 2.49% |
| LINGLING GALLACHER3 | HYLANT GROUP INC 811 MADISON AVENUE TOLEDO, OH 43604 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $3K | $31K | $34K | 24.03% |
| BARRY A RISKE3 | 5046 SOUTH WEST BAY SHORE DRIVE SUITE D SUTTONS BAY, MI 49682 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $1K | $12K | $13K | 9.06% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: RISKE BROWN AND ASSOCIATES | 5046 SOUTH WEST BAY SHORE DRIVE SUITE D SUTTONS BAY, MI 49682 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $5K | $5K | 3.40% |
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 | 255 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 258 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | HARTFORD LIFE AND ACCIDENT | 305 | $462K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 305 | $462K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 305 | $462K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF MICHIGAN | 255 | $142K |
| Other | HARTFORD LIFE AND ACCIDENT | 305 | $462K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 305 | — |
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.