| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DOUGLAS H ROEHM3 Filed as: DOUGLAS H. ROEHM | 245 BARCLAY CIRCLE, SUITE 200 ROCHESTER, MI 48307 | PRIORITY HEALTH | $44K | — | $44K | 4.17% |
| MARIANNE FARLEY3 | 811 MADISON AVENUE TOLEDO, OH 43604 | PRIORITY HEALTH | $9K | — | $9K | 0.82% |
| STRATEGIC SERVICES GROUP3 | 245 BARCLAY CIRCLE, SUITE 200 ROCHESTER HILLS, MI 48307 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $0 | $9K | 7.73% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 24 FRANK LLOYD WRIGHT DRIVE ANN ARBOR, MI 48105 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 2.82% |
| AFFILIATED AGENCIES LLC3 Filed as: AFFILIATED AGENCIES, LLC | 245 BARCLAY CIRCLE, SUITE 200 ROCHESTER, MI 48307 | DELTA DENTAL OF MICHIGAN | $4K | $151 | $4K | 4.05% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 811 MADISON AVENUE TOLEDO, OH 43604 | DELTA DENTAL OF MICHIGAN | $763 | $0 | $763 | 0.80% |
| STRATEGIC SERVICES GROUP3 | 245 BARCLAY CIRCLE, SUITE 200 ROCHESTER HILLS, MI 48307 | NGL | $866 | — | $866 | 6.12% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 811 MADISON AVE. TOLEDO, OH 43604 | NGL | $344 | — | $344 | 2.43% |
| UNKNOWN3 | UNKNOWN WATERFORD, MI 48329 | NGL | $206 | $0 | $206 | 1.46% |
| GALLAGHER BENEFIT SERVICES, INC.4 | PO BOX 95287 CHICAGO, IL 60694 | LEGALSHIELD | $440 | — | $440 | 26.38% |
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 | 186 | 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) | 186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRIORITY HEALTH | 255 | $1.1M |
| Dental | DELTA DENTAL OF MICHIGAN | 268 | $96K |
| Vision | NGL | 224 | $14K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 186 | $119K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 186 | $119K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 186 | $119K |
| Prescription drug | PRIORITY HEALTH | 255 | $1.1M |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 186 | $121K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 268 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.