| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $28K | $2K | $30K | 6.33% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $514 | $7K | 4.64% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $30K | $2K | $32K | 24.36% |
| HYLANT GROUP INC3 | 2401 W BIG BEAVER RD STE 400 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $197 | $0 | $197 | 0.15% |
| MARSH & MCLENNAN AGENCY LLC3 | 33213 COLLECTION CENTER DRIVE CHICAGO, IL 60693 | METROPOLITAN GENERAL INSURANCE COMPANY | $3K | $0 | $3K | 9.28% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $660 | $660 | 2.41% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | 1 POLARIS WAY SUITE 300 ALISO VIEJO, CA 92656 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $45 | $45 | 0.16% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $64 | $1K | 7.82% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP INC. | 2401 W BIG BEAVER RD STE 400 TROY, MI 48084 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $498 | $0 | $498 | 2.64% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $853 | $218 | $1K | 12.64% |
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 43604 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $954 | $0 | $954 | 11.26% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC | 811 MADISON AVE TOLEDO, OH 43604 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $670 | $0 | $670 | 15.17% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $171 | $53 | $224 | 5.07% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $660 | $660 | 15.34% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 33213 COLLECTION CENTER DRIVE CHICAGO, IL 60693 | METROPOLITAN GENERAL INSURANCE COMPANY | $428 | $0 | $428 | 9.95% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | 1 POLARIS WAY SUITE 300 ALISO VIEJO, CA 92656 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $45 | $45 | 1.05% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 811 MADISON AVE TOLEDO, OH 43604 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $168 | $0 | $168 | 17.39% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $38 | $12 | $50 | 5.18% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W. BIG BEAVER ROAD STE 2300 TROY, MI 48084 | FIRST UNUM LIFE INS CO | $62 | $0 | $62 | 8.12% |
| HYLANT GROUP INC3 | 2401 W BIG BEAVER RD STE 400 TROY, MI 48084 | FIRST UNUM LIFE INS CO | $29 | $0 | $29 | 3.80% |
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 | 794 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 806 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts, 3 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 794 | $493K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 781 | $143K |
| Other(7 contracts, 5 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 794 | $651K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 794 | — |
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.