| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3331 W BIG BEAVER RD SUITE 200 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $32K | — | $32K | 1.88% |
| BENEFITS PARTNER LLC3 | 38233 MOUND ROAD BULD F STERLING HEIGHTS, MI 48310 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $743 | $743 | 0.04% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3331 W BIG BEAVER RD SUITE 200 TROY, MI 48084 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $2K | $19K | 11.55% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3331 W BIG BEAVER RD SUITE 200 TROY, MI 48084 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $1K | $8K | 17.67% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3331 W BIG BEAVER RD SUITE 200 TROY, MI 48084 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $557 | $4K | 17.64% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3331 W BIG BEAVER RD SUITE 200 TROY, MI 48084 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $534 | $4K | 17.55% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3331 W BIG BEAVER RD SUITE 200 TROY, MI 48084 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $435 | $3K | 17.67% |
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 | 131 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 324 | $1.7M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 417 | $162K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 324 | $1.7M |
| Life insurance(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 131 | $37K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 131 | $46K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 131 | $21K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 324 | $1.7M |
| Other(3 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 134 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 417 | — |
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.