| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 85638 DBA BARNEY BARNEY MMC AGENCY SAN DIEGO, CA 921865638 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $132K | $0 | $132K | 6.90% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $110K | $0 | $110K | 5.75% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRAW WENTWORTH A MARSH & MCLENNAN | 755 W BIG BEAVER RD STE 2300 TROY, MI 480844907 | METROPOLITAN LIFE INSURANCE COMPANY | $160K | $0 | $160K | 16.38% |
| BSC AGENCY LLC3 | 1025 ASHWORTH RD STE 101 MOINES, IA 502653542 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $18K | $18K | 1.84% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 250 PEHLE AVE STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 076635826 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $12K | $12K | 1.26% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $86K | $54K | $140K | 32.53% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 3331 W BIG BEAVER ROAD TROY, MI 480842814 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $25K | $0 | $25K | 8.21% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 755 W BIG BEAVER RD STE 2300 TROY, MI 480842814 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $8K | $0 | $8K | 2.60% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 WEST BIG BEAVER SUITE 200 TROY, MI 48084 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $46K | $0 | $46K | 20.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $45K | $28K | $73K | 32.52% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $53K | $3K | $56K | 32.69% |
| GREGORY, KEVIN D3 Filed as: GREGORY KEVIN D | 454 CRYSTAL LAKE DR ORANGE VILLAGE, OH 44022 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $263 | $0 | $263 | 0.15% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 3331 W BIG BEAVER ROAD TROY, MI 480842814 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $9K | $0 | $9K | 8.45% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 755 W BIG BEAVER RD TROY, MI 480842814 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | $0 | $3K | 2.58% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRAW WENTWORTH A MARSH & MCLENNAN | 3331 W BIG BEAVER ROAD SUITE 200 TROY, MI 48084 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $5K | $0 | $5K | 7.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP A MARSH & MCLENNAN | 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $0 | $2K | $2K | 3.03% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 E BIG BEAVER RD STE 2300 TROY, MI 48084 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $2K | $0 | $2K | 2.33% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $74 | $0 | $74 | 4.74% |
| GREGORY, KEVIN D3 Filed as: GREGORY KEVIN D | 454 CRYSTAL LAKE DR ORANGE VILLAGE, OH 44022 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $65 | $0 | $65 | 4.17% |
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 | 3,789 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 28 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,817 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 3,491 | $410K |
| Life insurance(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 5,141 | $1.2M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 5,609 | $1.9M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 5,609 | $1.9M |
| Other(6 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 5,141 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,609 | — |
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.