| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THOMAS MCGRAW3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $40K | — | $40K | 4.78% |
| ACTION BENEFITS COMPANY3 | 24600 NORTHWESTERN SOUTHFIELD, MI 48075 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $10K | — | $10K | 1.20% |
| JOSEPH J JR CURTIS3 Filed as: JOSEPH J CURTIS JR | 2401 W. BIG BEAVER RD., SUITE 400 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $5K | — | $5K | 0.66% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $562 | $562 | 0.07% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8K | — | $8K | 8.53% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 2401 W. BIG BEAVER RD., SUITE 400 TROY, MI 48084 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | — | $1K | 1.37% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | P.O. BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $675 | $675 | 4.02% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP INC. | 811 MADISON AVE., 8TH FL TOLEDO, OH 43604 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $348 | $348 | 2.07% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | VISION SERVICE PLAN | $513 | — | $513 | 3.35% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA, INC. | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | VISION SERVICE PLAN | $216 | — | $216 | 1.41% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP INC. | 2401 W. BIG BEAVER RD., SUITE 400 TROY, MI 480843327 | VISION SERVICE PLAN | $209 | — | $209 | 1.37% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | P.O. BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $490 | $490 | 4.79% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP INC. | 811 MADISON AVE., 8TH FL TOLEDO, OH 43604 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $346 | $346 | 3.38% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | P.O. BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $332 | $332 | 4.66% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP INC. | 811 MADISON AVE., 8TH FL TOLEDO, OH 43604 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $232 | $232 | 3.25% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $914 | — | $914 | 15.01% |
| MARSH & MCLENNAN AGENCY LLC3 | P.O. BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $335 | $335 | 5.50% |
| HYLANT GROUP INC3 | 811 MADISON AVE., 8TH FL TOLEDO, OH 43604 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $203 | $203 | 3.33% |
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 | 306 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 307 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 197 | $827K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 195 | $97K |
| Vision | VISION SERVICE PLAN | 135 | $15K |
| Life insurance(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 309 | $23K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 135 | $10K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 134 | $7K |
| Other(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 309 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 309 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.