| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REBECCA A MCLAUGHLAN3 | 755 W BIG BEAVER ROAD STE 2300 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $20K | $0 | $20K | 3.18% |
| REBECCA A MCLAUGHLAN3 | 755 W BIG BEAVER ROAD STE 2300 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $19K | $0 | $19K | 3.21% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | $0 | $8K | 8.48% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | $1K | $4K | 4.49% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 2338 IMMOKALEE RD SUITE 240 NAPLES, FL 34110 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | $0 | $1K | 1.24% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 2338 IMMOKALEE RD SUITE 240 NAPLES, FL 34110 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | $0 | $6K | 7.10% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | $0 | $4K | 4.49% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | $616 | $2K | 2.75% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | NATIONAL VISION ADMINISTRATORS (NGL) | $1K | $0 | $1K | 10.00% |
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 | 234 | 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) | 234 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 135 | $1.2M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 124 | $80K |
| Vision | NATIONAL VISION ADMINISTRATORS (NGL) | 241 | $12K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 117 | $93K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 117 | $93K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 117 | $93K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 135 | $1.2M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 117 | $93K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 241 | — |
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."
No prospect flags tripped on this filing.