| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REBECCA A MCLAUGHLAN3 | 3331 W BIG BEAVER S-200 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $19K | — | $19K | 0.77% |
| THOMAS MCGRAW3 | 3331 W BIG BEAVER S-200 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $15K | — | $15K | 0.62% |
| JOSEPH J JR CURTIS3 | 2401 W BIG BEAVER ROAD S400 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $5K | — | $5K | 0.20% |
| MARSH & MCLENNAN AGENCY LLC Filed as: MARSH & MCLENNAN DBA MCGRAW | 3331 W BIG BEAVER ROAD S200 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $4K | $4K | 0.15% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRAW WENTWORTH A MARSH & MCLENNAN | 3331 W BIG BEAVER ROAD TROY, MI 48084 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $58 | $4K | 2.96% |
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 43604 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $82 | $2K | 1.73% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 PARK 80 PLAZA 2 SADDLEBROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.46% |
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 43604 | METROPOLITAN LIFE INSURANCE COMPANY | — | $697 | $697 | 0.50% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 WEST BIG BEAVER STE 200 TROY, MI 48084 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $2K | $8K | 11.22% |
| HYLANT GROUP INC3 | 24 FRANK LLOYD WRIGHT DRIVE PO BOX 541 STE J4100 ANN ARBOR, MI 48106 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $1K | $5K | 7.78% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 WEST BIG BEAVER STE 200 TROY, MI 48084 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $1K | $5K | 10.98% |
| HYLANT GROUP INC3 | 24 FRANK LLOYD WRIGHT DRIVE PO BOX 541 STE J4100 ANN ARBOR, MI 48106 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $777 | $4K | 8.02% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 WEST BIG BEAVER STE 200 TROY, MI 48084 | RELIANCE STANDARD | $4K | $978 | $5K | 11.00% |
| HYLANT GROUP INC3 | 24 FRANK LLOYD WRIGHT DRIVE PO BOX 541 STE J4100 ANN ARBOR, MI 48106 | RELIANCE STANDARD | $3K | $712 | $3K | 8.01% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 WEST BIG BEAVER STE 400 TROY, MI 48084 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | $537 | $9K | 37.97% |
| HYLANT GROUP INC3 | 24 FRANK LLOYD WRIGHT DRIVE ANN ARBOR, MI 48106 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $368 | $6K | 26.03% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 WEST BIG BEAVER STE 200 TROY, MI 48084 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $177 | $3K | 35.29% |
| HYLANT GROUP INC3 | 24 FRANK LLOYD WRIGHT DRIVE PO BOX 541 STE J4100 ANN ARBOR, MI 48106 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $144 | $2K | 28.69% |
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 | 280 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 282 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 657 | $2.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,009 | $138K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 280 | $69K |
| Short-term disability | RELIANCE STANDARD | 280 | $42K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 280 | $46K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 657 | $2.4M |
| Other(3 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 280 | $100K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,009 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.