| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $42K | $16K | $57K | 12.52% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | $5K | $17K | 11.46% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $30K | $2K | $32K | 26.69% |
| HYLANT GROUP INC3 | 2401 W BIG BEAVER RD STE 400 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $536 | $0 | $536 | 0.45% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $675 | $4K | 12.97% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC | 811 MADISON AVE TOLEDO, OH 43604 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 11.05% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $150 | $2K | 12.69% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP INC. | 2401 W BIG BEAVER RD STE 400 TROY, MI 48084 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $530 | $0 | $530 | 2.80% |
| MARSH & MCLENNAN AGENCY LLC3 | 33213 COLLECTION CENTER DRIVE CHICAGO, IL 60693 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $2K | $0 | $2K | 10.36% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $0 | $405 | $405 | 2.54% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2600 SOUTH TELEGRAPH ROAD SUITE 100 BLOOMFIELD HILLS, MI 48302 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $0 | $63 | $63 | 0.39% |
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 43604 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $1K | $0 | $1K | 12.97% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $594 | $295 | $889 | 8.53% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 33213 COLLECTION CENTER DRIVE CHICAGO, IL 60693 | METROPOLITAN GENERAL INSURANCE COMPANY | $1K | $45 | $1K | 15.96% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $130 | $130 | 1.64% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | 1 POLARIS WAY SUITE 300 ALISO VIEJO, CA 92656 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $91 | $91 | 1.15% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2600 SOUTH TELEGRAPH ROAD SUITE 100 BLOOMFIELD HILLS, MI 48302 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $63 | $63 | 0.79% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC | 811 MADISON AVE TOLEDO, OH 43604 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $949 | $0 | $949 | 16.31% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $205 | $55 | $260 | 4.47% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 811 MADISON AVE TOLEDO, OH 43604 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $238 | $0 | $238 | 18.83% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $25 | $12 | $37 | 2.93% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W. BIG BEAVER ROAD STE 2300 TROY, MI 48084 | FIRST UNUM LIFE INS CO | $282 | $0 | $282 | 28.60% |
| HYLANT GROUP INC3 | 2401 W BIG BEAVER RD STE 400 TROY, MI 48084 | FIRST UNUM LIFE INS CO | $29 | $0 | $29 | 2.94% |
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 | 796 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 807 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts, 3 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 796 | $478K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 776 | $149K |
| Other(8 contracts, 6 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 796 | $647K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 796 | — |
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.