| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 3331 W BIG BEAVER ROAD, SUITE 200 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $19K | $2K | $21K | 1.04% |
| ANDREW SCHEIDT3 | 811 HADISON AVE 03 TOLEDO, OH 43604 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $16K | — | $16K | 0.79% |
| HYLANT GROUP INC3 | 24 FRANK LLOYD WRIGHT DRIVE PO BOX 541 SUITE J4100 ANN ARBOR, MI 48106 | DELTA DENTAL OF MICHIGAN | $11K | — | $11K | 5.42% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 3331 W BIG BEAVER ROAD, SUITE 200 TROY, MI 48084 | DELTA DENTAL OF MICHIGAN | $2K | — | $2K | 0.97% |
| HYLANT GROUP INC3 | 24 FRANK LLOYD WRIGHT DRIVE PO BOX 541 SUITE J4100 ANN ARBOR, MI 48106 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $17K | $3K | $20K | 11.45% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 3331 W BIG BEAVER ROAD, SUITE 200 TROY, MI 48084 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | $9K | $18K | 10.80% |
| HYLANT GROUP INC3 | 24 FRANK LLOYD WRIGHT DRIVE PO BOX 541 SUITE J4100 ANN ARBOR, MI 48106 | FSL | $2K | — | $2K | 7.46% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 3331 W BIG BEAVER ROAD, SUITE 200 TROY, MI 48084 | FSL | $536 | — | $536 | 2.54% |
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 | 200 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 202 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 391 | $2.0M |
| Dental | DELTA DENTAL OF MICHIGAN | 489 | $201K |
| Vision | FSL | 481 | $21K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 200 | $171K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 200 | $171K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 200 | $171K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 391 | $2.0M |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 200 | $171K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 489 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.