| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $502K | $0 | $502K | 11.58% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 85638 SAN DIEGO, CA 92186 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $223K | $0 | $223K | 5.14% |
| IMG3 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $799 | $799 | 0.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | EYEMED VISION CARE | $31K | $0 | $31K | 9.96% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $59K | $4K | $63K | 37.80% |
| GREGORY, KEVIN D3 Filed as: GREGORY, KEVIN, D | 454 CRYSTAL LAKE DR ORANGE VILLAGE, OH 44022 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $142 | $0 | $142 | 0.09% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | EYEMED VISION CARE | $9K | $0 | $9K | 10.12% |
| MARSH & MCLENNAN AGENCY LLC3 | 33213 COLLECTION CENTER DRIVE CHICAGO, IL 60693 | METROPOLITAN GENERAL INSURANCE COMPANY | $7K | $0 | $7K | 10.87% |
| BUSINESSOLVER.COM, INC.3 | 1025 ASHWORTH ROAD WEST DES MOINES, IA 50265 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $1K | $1K | 2.12% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA, INC. | 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $774 | $774 | 1.20% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | 1 POLARIS WAY SUITE 300 ALISO VIEJO, CA 92656 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $65 | $65 | 0.10% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $31 | $0 | $31 | 5.03% |
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 | 4,139 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts) | EYEMED VISION CARE | 3,077 | $393K |
| Life insurance(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 4,139 | $4.5M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 4,139 | $4.3M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 4,139 | $4.3M |
| Other(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 4,139 | $4.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,139 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.