| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CONE W. LIGHTHALL3 | 2401 WEST BIG BEAVER ROAD SUITE 400 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $20K | $0 | $20K | 3.01% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 2401 WEST BIG BEAVER ROAD SUITE 400 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $0 | $914 | $914 | 0.13% |
| CONE W. LIGHTHALL3 | 2401 WEST BIG BEAVER ROAD SUITE 400 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $12K | $0 | $12K | 3.24% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 2401 WEST BIG BEAVER ROAD SUITE 400 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $630 | $630 | 0.17% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 24 FRANK LLOYD WRIGHT DRIVE SUITE J4100 ANN ARBOR, MI 48105 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $1K | $8K | 10.40% |
| JAMES A KERN3 Filed as: JAMES A. KERN | 43000 12 OAKS CRESCENT, SUITE 4022 NOVI, MI 48377 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $71 | $0 | $71 | 0.10% |
| MARLENE L GARLAND AGY3 Filed as: MARLENE L. GARLAND AGENCY | 30700 TELEGRAPH ROAD, SUITE 2620 BINGHAM FARMS, MI 48025 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $43 | $0 | $43 | 0.06% |
| ROBIN W BASIL3 Filed as: ROBIN W. BASIL | 30700 TELEGRAPH ROAD, SUITE 2620 BINGHAM FARMS, MI 48025 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $28 | $0 | $28 | 0.04% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 811 MADISON AVENUE TOLEDO, OH 43604 | DELTA DENTAL OF MICHIGAN | $6K | $0 | $6K | 9.43% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 24 FRANK LLOYD WRIGHT DRIVE ANN ARBOR, MI 48105 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $1K | $0 | $1K | 11.03% |
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 | 130 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 37 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 137 | $1.0M |
| Dental | DELTA DENTAL OF MICHIGAN | 201 | $62K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 188 | $13K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 134 | $72K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 134 | $72K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 134 | $72K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 137 | $1.0M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 134 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 201 | — |
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.