| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | DELTA DENTAL OF MICHIGAN | $40K | $0 | $40K | 2.90% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | DELTA DENTAL OF MICHIGAN | $3K | $0 | $3K | 0.25% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRAW WENTWORTH | 3331 W. BIG BEAVER ROAD TROY, MI 48084 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $35K | $19K | $54K | 5.27% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRAW WENTWORTH | 3331 W. BIG BEAVER ROAD TROY, MI 48084 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $147K | $16K | $163K | 19.85% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRAW WENTWORTH | 3331 W. BIG BEAVER ROAD TROY, MI 48084 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $70K | $13K | $83K | 11.70% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 3331 W. BIG BEAVER ROAD TROY, MI 48084 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $171K | $37K | $208K | 77.65% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 3331 W. BIG BEAVER ROAD TROY, MI 48084 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $21K | — | $21K | 8.33% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRAW WENTWORTH | 3331 W. BIG BEAVER ROAD TROY, MI 48084 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $11K | $0 | $11K | 4.56% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 3331 W. BIG BEAVER ROAD TROY, MI 48084 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $103K | $7K | $109K | 69.16% |
| KEVIN D GREGORY3 | 4496 GREENWOLD RD CLEVELAND, OH 44121 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $469 | $0 | $469 | 0.30% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 3331 W. BIG BEAVER ROAD TROY, MI 48084 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $29K | $0 | $29K | 20.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 3331 W. BIG BEAVER ROAD TROY, MI 48084 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $88K | $9K | $96K | 76.90% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRAW WENTWORTH | 3331 W. BIG BEAVER ROAD TROY, MI 48084 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $9K | $0 | $9K | 9.49% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 3331 W. BIG BEAVER ROAD TROY, MI 48084 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $8K | $0 | $8K | 7.90% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 3331 W. BIG BEAVER ROAD TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $1K | $15K | 33.89% |
| KEVIN D GREGORY3 | 4496 GREENWOLD RD CLEVELAND, OH 44121 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 2.29% |
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 | 3,164 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 3,164 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 5,845 | $1.4M |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 3,316 | $348K |
| Life insurance(2 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 3,637 | $977K |
| Short-term disability(3 contracts, 3 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 2,368 | $1.3M |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 3,164 | $710K |
| Other(4 contracts, 3 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 3,637 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,845 | — |
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.