| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 85638 DBA BARNEY BARNEY MMC AGENCY SAN DIEGO, CA 92186 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $127K | $0 | $127K | 6.72% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $108K | $0 | $108K | 5.74% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | METROPOLITAN LIFE INSURANCE COMPANY | $156K | $34 | $156K | 16.20% |
| BSC AGENCY LLC3 | 1025 ASHWORTH RD STE 101 WEST DES MOINES, IA 50265 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $17K | $17K | 1.80% |
| 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 | 1.25% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $83K | $58K | $140K | 33.94% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | EYEMED VISION CARE | $32K | $0 | $32K | 9.96% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 WEST BIG BEAVER SUITE 200 TROY, MI 48084 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $52K | $0 | $52K | 20.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $46K | $32K | $78K | 33.96% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $29K | $1K | $30K | 20.67% |
| GREGORY, KEVIN D3 Filed as: GREGORY KEVIN D | 454 CRYSTAL LAKE DR ORANGE VILLAGE, OH 44022 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $174 | $0 | $174 | 0.12% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | EYEMED VISION CARE | $10K | $0 | $10K | 10.04% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 33213 COLLECTION CENTER DRIVE CHICAGO, IL 60693 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $4K | $0 | $4K | 5.66% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 E BIG BEAVER RD STE 2300 TROY, MI 48084 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $3K | $0 | $3K | 4.30% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA, INC. | 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $0 | $1K | $1K | 1.69% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $39 | $0 | $39 | 4.76% |
| GREGORY, KEVIN D3 Filed as: GREGORY KEVIN D | 454 CRYSTAL LAKE DR ORANGE VILLAGE, OH 44022 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12 | $0 | $12 | 1.47% |
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 | 3,937 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 32 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,969 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts) | EYEMED VISION CARE | 3,357 | $427K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 5,080 | $1.1M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 3,192 | $1.9M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 3,192 | $1.9M |
| Other(6 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 5,080 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,080 | — |
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.