| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MMA SERVICE CORP3 | 620 S. CAPITOL AVENUE LANSING, MI 48933 | METROPOLITAN LIFE INSURANCE COMPANY | — | $7K | $7K | 5.00% |
| ROSE STREET ADVISORS LLC Filed as: ROSE STREET ADVISORS | 244 N ROSE ST KALAMAZOO, MI 49007 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 2.03% |
| HYLANT GROUP INC3 Filed as: HYLANT OF ANN ARBOR | 24 FRANK LLOYD WRIGHT DRIVE SUITE J4100 ANN ARBOR, MI 48106 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 0.89% |
| MCLEOD AGENCY INC3 Filed as: THE MCLEOD GROUP INC. | 6001 N. ADAMS ROAD SUITE 201 BLOOMFIELD HILLS, MI 48304 | VISION SERVICE PLAN | $610 | $0 | $610 | 2.88% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 811 MADISON AVENUE TOLEDO, OH 43603 | VISION SERVICE PLAN | $532 | $0 | $532 | 2.51% |
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 | 144 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 147 | $143K |
| Vision | VISION SERVICE PLAN | 100 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 147 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.