| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THOMAS MCGRAW3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $19K | — | $19K | 1.46% |
| REBECCA A MCLAUGHLAN3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 480848084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $9K | — | $9K | 0.67% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP INC. (ANN ARBOR) | PO BOX 541 ANN ARBOR, MI 48106 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $2K | $2K | 0.14% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | DELTA DENTAL OF MICHIGAN | $5K | — | $5K | 4.33% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 480842814 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $58 | $8K | 10.46% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE., SUITE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 076635826 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 1.37% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 7.81% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 2401 W. BIG BEAVER ROAD TROY, MI 480843327 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $140 | — | $140 | 0.70% |
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 | 178 | 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) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 278 | $1.3M |
| Dental | DELTA DENTAL OF MICHIGAN | 347 | $110K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 241 | $20K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 232 | $76K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 232 | $76K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 232 | $76K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 278 | $1.3M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 232 | $76K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 347 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.