| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | ALLIANCE HEALTH & LIFE INSURANCE COMPANY | $40K | — | $40K | 3.68% |
| PRIMARY BENEFITS GROUP, INC3 Filed as: PRIMARY BENEFITS GROUP, INC. | 54392 PELICAN LANE SHELBY TWP, MI 48315 | ALLIANCE HEALTH & LIFE INSURANCE COMPANY | -$389 | — | -$389 | -0.04% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | HEALTH ALLIANCE PLAN | $4K | — | $4K | 0.80% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | DELTA DENTAL OF MICHIGAN | $6K | — | $6K | 5.27% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | STANDARD INSURANCE COMPANY | $15K | $3K | $18K | 18.08% |
| AGIS NETWORK INC3 Filed as: AGIS NETWORK INC. | 2122 KRATKY RD ST LOUIS, MO 63114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $424 | $5K | 10.83% |
| CREATIVE COMPENSATION GROUP3 | 350 N. OLD WOODWARD, STE. 250 BIRMINGHAM, MI 48009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $182 | $5K | 10.34% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $578 | — | $578 | 5.02% |
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 | 150 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ALLIANCE HEALTH & LIFE INSURANCE COMPANY | 199 | $1.6M |
| Dental | DELTA DENTAL OF MICHIGAN | 296 | $123K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 185 | $12K |
| Life insurance | STANDARD INSURANCE COMPANY | 150 | $101K |
| Short-term disability | STANDARD INSURANCE COMPANY | 150 | $101K |
| Long-term disability | STANDARD INSURANCE COMPANY | 150 | $101K |
| Prescription drug | ALLIANCE HEALTH & LIFE INSURANCE COMPANY | 199 | $1.1M |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 150 | $150K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 296 | — |
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.