| 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 | $39K | $0 | $39K | 3.03% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRAW WENTWORTH | 3331 WEST BIG BEAVER ROAD SUITE 200 TROY, MI 48084 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $103K | $18K | $121K | 17.66% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRAW WENTWORTH | 3331 WEST BIG BEAVER ROAD SUITE 200 TROY, MI 48084 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $19K | $17K | $36K | 5.39% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRAW WENTWORTH | 3331 WEST BIG BEAVER ROAD SUITE 200 TROY, MI 48084 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $41K | $13K | $53K | 10.77% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 3331 WEST BIG BEAVER ROAD SUITE 200 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $100K | $8K | $108K | 35.05% |
| KEVIN D GREGORY3 | 4496 GREENWOLD ROAD CLEVELAND, OH 44121 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17K | $0 | $17K | 5.47% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRAW WENTWORTH | 3331 WEST BIG BEAVER ROAD SUITE 200 TROY, MI 48084 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $13K | $0 | $13K | 9.17% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRAW WENTWORTH | 3331 WEST BIG BEAVER ROAD SUITE 200 TROY, MI 48084 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $13K | $0 | $13K | 11.11% |
| KEVIN D GREGORY3 | 4496 GREENWOLD ROAD CLEVELAND, OH 44121 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $542 | $0 | $542 | 15.86% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 3331 WEST BIG BEAVER ROAD SUITE 200 TROY, MI 48084 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $232 | $0 | $232 | 6.79% |
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 | 2,915 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,915 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 6 | $139K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF MICHIGAN | 4,984 | $1.4M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 2,203 | $121K |
| Life insurance(2 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 2,915 | $690K |
| Short-term disability(3 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 2,915 | $1.7M |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 2,471 | $497K |
| Other(3 contracts, 3 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 2,915 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,984 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.