| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 2300 RENAISSANCE BLVD KING OF PRISSUA, PA 19406 | DELTA DENTAL OF MICHIGAN | $43K | — | $43K | 3.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRAW WENTWOTRH, A MARSH & MCLENNA | 3331 WEST BIG BEAVER ROAD SUITE 200 TROY, MI 48084 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $31K | $17K | $49K | 5.80% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRAW WENTWOTRH, A MARSH & MCLENNA | 3331 WEST BIG BEAVER ROAD SUITE 200 TROY, MI 48084 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $152K | $17K | $168K | 21.71% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRAW WENTWOTRH, A MARSH & MCLENNA | 3331 WEST BIG BEAVER ROAD SUITE 200 TROY, MI 48084 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $64K | $13K | $77K | 12.74% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRAW WENTWOTRH, A MARSH & MCLENNA | 3331 WEST BIG BEAVER ROAD SUITE 200 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $200K | $18K | $218K | 38.85% |
| KEVIN D GREGORY | 4469 GREENWOLD ROAD CLEVELAND, OH 44121 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | — | $15K | 2.60% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRAW WENTWOTRH, A MARSH & MCLENNA | 3331 WEST BIG BEAVER ROAD STE 200 TROY, MI 48084 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $8K | $0 | $8K | 6.84% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 3331 WEST BIG BEAVER ROAD STE 200 TROY, MI 48084 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $61K | $4K | $65K | 91.48% |
| KEVIN D GREGORY3 | 4496 GREENWOLD ROAD CLEVELAND, OH 44121 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $517 | $0 | $517 | 0.73% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRAW WENTWOTRH, A MARSH & MCLENNA | 3331 WEST BIG BEAVER ROAD SUITE 200 TROY, MI 48084 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $7K | — | $7K | 11.92% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRAW WENTWOTRH, A MARSH & MCLENNA | 3331 WEST BIG BEAVER ROAD SUITE 200 TROY, MI 48084 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $0 | $223 | $223 | 1.20% |
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 | 3,082 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 3,082 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1 | $60K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF MICHIGAN | 5,184 | $1.5M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 4,569 | $120K |
| Life insurance(2 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 3,082 | $846K |
| Short-term disability(4 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 3,082 | $2.2M |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 2,639 | $601K |
| Other(3 contracts, 3 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 3,082 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,184 | — |
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.