| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 3331 WEST BIG BEAVER ROAD SUITE 200 TROY, MI 48084 | KAISER FOUNDATION HEALTH PLAN INC | $6K | $0 | $6K | 2.26% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 811 MADISON AVENUE TOLEDO, OH 43604 | KAISER FOUNDATION HEALTH PLAN INC | $3K | $0 | $3K | 1.11% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 3331 WEST BIG BEAVER ROAD SUITE 200 TROY, MI 48084 | SUN LIFE ASSURANCE COMPANY OF CANADA | $13K | $3K | $16K | 14.88% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | PO BOX 638720 CINCINNATI, OH 45263 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | $0 | $4K | 3.92% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 3331 WEST BIG BEAVER ROAD SUITE 200 TROY, MI 48084 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $0 | $2K | 6.24% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 2401 WEST BIG BEAVER ROAD SUITE 400 TROY, MI 48084 | UNITEDHEALTHCARE INSURANCE COMPANY | $938 | $0 | $938 | 2.90% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 3331 WEST BIG BEAVER ROAD SUITE 200 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 10.58% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 2401 WEST BIG BEAVER ROAD SUITE 400 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 5.32% |
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 | 254 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 256 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 51 | $281K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 169 | $32K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 254 | $107K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 254 | $107K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 254 | $107K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 51 | $281K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 254 | $126K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 254 | — |
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.