| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $44K | $15K | $59K | 12.89% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $5K | $15K | 10.94% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $26K | $2K | $28K | 21.40% |
| HYLANT GROUP INC3 | 2401 W BIG BEAVER RD STE 400 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $23 | $0 | $23 | 0.02% |
| MARSH & MCLENNAN AGENCY LLC3 | 33213 COLLECTION CENTER DRIVE CHICAGO, IL 60693 | METROPOLITAN GENERAL INSURANCE COMPANY | $3K | $0 | $3K | 9.95% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $205 | $205 | 0.71% |
| MARSH & MCLENNAN AGENCY LLC3 | 30150 TELEGRAPH ROAD SUITE 408 BINGHAM FARMS, MI 48025 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $99 | $99 | 0.34% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $649 | $3K | 14.40% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 811 MADISON AVE TOLEDO, OH 43604 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 10.19% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $7K | $492 | $8K | 40.17% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP INC. | 2401 W BIG BEAVER RD STE 400 TROY, MI 48084 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $450 | $0 | $450 | 2.33% |
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 43604 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $826 | $0 | $826 | 14.21% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $383 | $24 | $407 | 7.00% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC | 811 MADISON AVE TOLEDO, OH 43604 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $670 | $0 | $670 | 15.39% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $119 | $15 | $134 | 3.08% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 811 MADISON AVE TOLEDO, OH 43604 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $168 | $0 | $168 | 17.55% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $24 | $1 | $25 | 2.61% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W. BIG BEAVER ROAD STE 2300 TROY, MI 48084 | FIRST UNUM LIFE INS CO | $93 | $0 | $93 | 14.65% |
| HYLANT GROUP INC3 | 2401 W BIG BEAVER RD STE 400 TROY, MI 48084 | FIRST UNUM LIFE INS CO | $19 | $0 | $19 | 2.99% |
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 | 755 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 765 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts, 3 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 755 | $478K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 739 | $140K |
| Other(7 contracts, 5 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 755 | $652K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 755 | — |
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.