| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMY J HALL3 Filed as: AMY J. HALL | 423 NORTH MAIN STREET ROYAL OAK, MI 48067 | BLUE CARE NETWORK OF MICHIGAN | $24K | $0 | $24K | 3.77% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 201 DEPOT STREET ANN ARBOR, MI 48104 | BLUE CARE NETWORK OF MICHIGAN | $8K | $0 | $8K | 1.23% |
| ASSUREDPARTNERS3 | 13900 LAKESIDE CIRCLE STERLING HEIGHTS, MI 48313 | BLUE CARE NETWORK OF MICHIGAN | $0 | $626 | $626 | 0.10% |
| AMY J HALL3 Filed as: AMY J. HALL | 423 NORTH MAIN STREET ROYAL OAK, MI 48067 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $22K | $0 | $22K | 3.99% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 201 DEPOT STREET ANN ARBOR, MI 48104 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $7K | $0 | $7K | 1.34% |
| ASSUREDPARTNERS3 | 13900 LAKESIDE CIRCLE STERLING HEIGHTS, MI 48313 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $1K | $1K | 0.23% |
| ASSUREDPARTNERS3 | 25900 WEST 11 MILE ROAD, SUITE 210 SOUTHFIELD, MI 48034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $6K | 13.49% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 811 MADISON AVENUE TOLEDO, OH 43604 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $879 | $0 | $879 | 1.96% |
| ASSUREDPARTNERS3 | 25900 WEST 11 MILE ROAD, SUITE 210 SOUTHFIELD, MI 48034 | UNUM INSURANCE COMPANY | $1K | $115 | $1K | 8.68% |
| ASSUREDPARTNERS3 | 27064 OAKMEAD DRIVE PERRYSBURG, OH 43551 | UNUM INSURANCE COMPANY | $1K | $0 | $1K | 7.93% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH, LLC | 325 NORTH KIRKWOOD ROAD, SUITE 300 KIRKWOOD, MO 63122 | UNUM INSURANCE COMPANY | $0 | $437 | $437 | 2.86% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 2401 WEST BIG BEAVER ROAD SUITE 400 TROY, MI 48084 | UNUM INSURANCE COMPANY | $315 | $33 | $348 | 2.28% |
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 | 109 | 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) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 207 | $1.2M |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 207 | $557K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 207 | $557K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 109 | $45K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 109 | $45K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 207 | $1.2M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 109 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 207 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.