| 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 | $10K | $0 | $10K | 4.02% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 220 PARK STREET, SUITE 2 BIRMINGHAM, MI 48009 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $594 | $594 | 0.25% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 811 MADISON AVENUE TOLEDO, OH 43604 | KAISER FOUNDATION HEALTH PLAN, INC. | $5K | $0 | $5K | 4.77% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC | 2401 WEST BIG BEAVER ROAD SUITE 400 TROY, MI 81059 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $1K | $7K | 14.62% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC | 811 MADISON AVENUE TOLEDO, OH 43604 | DELTA DENTAL OF MICHIGAN | $1K | $0 | $1K | 4.95% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC | 24 FRANK LLOYD WRIGHT DRIVE SUITE J4100 ANN ARBOR, MI 81059 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $456 | — | $456 | 10.74% |
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 | 30 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 31 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 22 | $340K |
| Dental | DELTA DENTAL OF MICHIGAN | 28 | $21K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | 32 | $4K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 30 | $51K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 30 | $51K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 22 | $340K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 30 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 32 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.