| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CONE W. LIGHTHALL3 Filed as: CONE LIGHTHALL | 2401 WEST BIG BEAVER ROAD SUITE 400 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $30K | $0 | $30K | 3.75% |
| MARIANNE FARLEY3 | 2401 WEST BIG BEAVER ROAD SUITE 400 TROY, MI 48006 | BLUE CARE NETWORK OF MICHIGAN | $6K | $0 | $6K | 0.77% |
| HYLANT GROUP INC3 | 2401 WEST BIG BEAVER ROAD SUITE 400 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $0 | $914 | $914 | 0.11% |
| CONE W. LIGHTHALL3 Filed as: CONE LIGHTHALL | 2401 WEST BIG BEAVER ROAD SUITE 400 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $15K | $0 | $15K | 3.75% |
| MARIANNE FARLEY3 | 2401 WEST BIG BEAVER ROAD SUITE 400 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $3K | $0 | $3K | 0.69% |
| HYLANT GROUP INC3 | 2401 WEST BIG BEAVER ROAD SUITE 400 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $573 | $573 | 0.14% |
| HYLANT GROUP INC3 | PO BOX 541 ANN ARBOR, MI 48106 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $1K | $8K | 12.48% |
| JAMES A KERN3 Filed as: JAMES KERN | 43000 12 OAKS CRESCENT NOVI, MI 48377 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $244 | $0 | $244 | 0.37% |
| MARLEN GARLAND AGENCY3 | 30700 TELEGRAPH ROAD, SUITE 2620 BINGHAM FARMS, MI 48025 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $146 | $0 | $146 | 0.22% |
| ROBIN W BASIL3 Filed as: ROBIN BASIL | 30700 TELEGRAPH ROAD, SUITE 2620 BINGHAM FARMS, MI 48025 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $97 | $0 | $97 | 0.15% |
| HYLANT GROUP INC3 | 811 MADISON AVENUE TOLEDO, OH 46304 | DELTA DENTAL OF MICHIGAN | $5K | $0 | $5K | 10.04% |
| HYLANT GROUP INC3 | 24 FRANK LLOYD WRIGHT DRIVE SUITE J4100 ANN ARBOR, MI 48105 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $1K | $0 | $1K | 10.03% |
| HYLANT GROUP INC3 | 811 MADISON AVENUE TOLEDO, OH 43604 | DELTA DENTAL OF MICHIGAN | $632 | $0 | $632 | 9.95% |
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 | 132 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 25 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 157 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 142 | $1.2M |
| Dental(2 contracts) | DELTA DENTAL OF MICHIGAN | 172 | $58K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 196 | $13K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 134 | $67K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 134 | $67K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 134 | $67K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 142 | $1.2M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 134 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 196 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.