| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARIANNE FARLEY3 | 2401 WEST BIG BEAVER ROAD SUITE 400 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $84K | $0 | $84K | 3.04% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 220 PARK STREET, SUITE 2 BIRMINGHAM, MI 48009 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $2K | $2K | 0.09% |
| HYLANT GROUP INC3 | 2401 WEST BIG BEAVER ROAD SUITE 400 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $25K | $7K | $32K | 19.12% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 NORTH KIRKWOOD ROAD, SUITE 300 KIRKWOOD, MO 63122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $15K | $15K | 9.00% |
| HYLANT GROUP INC3 | 2401 WEST BIG BEAVER ROAD SUITE 400 TROY, MI 48084 | UNUM INSURANCE COMPANY | $6K | $2K | $8K | 19.05% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 NORTH KIRKWOOD ROAD, SUITE 300 KIRKWOOD, MO 63122 | UNUM INSURANCE COMPANY | $0 | $2K | $2K | 5.01% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 811 MADISON AVENUE TOLEDO, OH 43604 | FSL | $3K | — | $3K | 10.00% |
| HYLANT GROUP INC3 | 24 FRANK LLOYD WRIGHT DRIVE SUITE J4100 ANN ARBOR, MI 48106 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $9K | $0 | $9K | 50.00% |
| HYLANT GROUP INC3 | 2401 WEST BIG BEAVER ROAD SUITE 400 TROY, MI 48084 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $3K | $3K | 16.19% |
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 | 262 | 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) | 262 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 440 | $2.7M |
| Vision | FSL | 569 | $30K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 262 | $167K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 262 | $167K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 262 | $167K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 440 | $2.7M |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 262 | $227K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 569 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.