| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | DELTA DENTAL OF MICHIGAN | $33K | — | $33K | 3.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | STE 200 3331 W BIG BEAVER RD TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $74K | $20K | $94K | 9.53% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | STE 200 3331 W BIG BEAVER RD TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $67K | $7K | $74K | 21.91% |
| KEVIN D GREGORY3 | 4496 GREENWOLD RD CLEVELAND, OH 44121 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17K | — | $17K | 7.74% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | STE 200 3331 W BIG BEAVER RD TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $292 | $12K | 5.33% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRAW WENTWORTH | 3331 W BIG BEAVER RD STE 200 TROY, MI 48084 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $18K | — | $18K | 9.73% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRAW WENTWORTH | 3331 W BIG BEAVER ROAD SUITE 200 TROY, MI 48084 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $305 | — | $305 | 10.00% |
| KEVIN D GREGORY3 Filed as: KEVIN D. GREGORY | 4496 GREENWOLD RD CLEVELAND, OH 44121 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $312 | — | $312 | 13.05% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | STE 200 3331 W BIG BEAVER RD TROY, MI 48084 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $134 | — | $134 | 5.61% |
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 | 2,242 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,242 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1 | $3K |
| Dental | DELTA DENTAL OF MICHIGAN | 4,099 | $1.1M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 3,670 | $181K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,242 | $1.3M |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,242 | $1.2M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,242 | $987K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,242 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,099 | — |
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.