| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 3331 W. BIG BEAVER ROAD TROY, MI 48084 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $102K | — | $102K | 5.83% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 3331 W. BIG BEAVER ROAD TROY, MI 48084 | DELTA DENTAL OF MICHIGAN | $46K | — | $46K | 2.96% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 3331 W. BIG BEAVER ROAD TROY, MI 48084 | METROPOLITAN LIFE INSURANCE COMPANY | $131K | $10K | $141K | 14.56% |
| BSG AGENCY LLC3 | 1025 ASHWORTH RD STE 101 WEST DES MOINES, IA 50265 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $15K | $15K | 1.53% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 3331 W. BIG BEAVER ROAD TROY, MI 48084 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $30K | — | $30K | 8.39% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 3331 W. BIG BEAVER ROAD TROY, MI 48084 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $89K | $5K | $94K | 42.81% |
| KEVIN D GREGORY3 | 4496 GREENWOLD RD CLEVELAND, OH 44121 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $431 | — | $431 | 0.20% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 3331 W. BIG BEAVER ROAD TROY, MI 48084 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $39K | — | $39K | 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 | $44K | $26K | $70K | 41.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 3331 W. BIG BEAVER ROAD TROY, MI 48084 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $10K | — | $10K | 8.43% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 3331 W. BIG BEAVER ROAD TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $73 | — | $73 | 4.68% |
| KEVIN D GREGORY3 | 4496 GREENWOLD RD CLEVELAND, OH 44121 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $64 | — | $64 | 4.10% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 3331 W. BIG BEAVER ROAD TROY, MI 48084 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $89K | $53K | $142K | — |
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 | 3,390 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 3,390 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 6,392 | $1.6M |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 3,697 | $476K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 5,551 | $1.2M |
| Short-term disability(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 3,390 | $1.8M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 3,390 | $1.8M |
| Other(5 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 5,551 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,392 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.