| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REBECCA A MCLAUGHLAN3 | 3331 W BIG BEAVER S 200 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $26K | — | $26K | 1.38% |
| MICHAEL DILORENZO3 | 42400 GARGIELD SUITE A CLINTON TOWNSHIP, MI 48038 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $3K | — | $3K | 0.14% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGCY LLC | 3331 W BIG BEAVER RD S200 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $1K | $1K | 0.07% |
| REBECCA A MCLAUGHLAN3 | 3331 W BIG BEAVER S 200 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $9K | — | $9K | 1.42% |
| MICHAEL DILORENZO3 | 42400 GARFIELD STE A CLINTON TOWNSHIP, MI 48038 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $1K | — | $1K | 0.22% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGCY LLC | 3331 W BIG BEAVER RD S200 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $729 | $729 | 0.12% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRAW WENTWORTH A MARSH & MCLENNAN | 3331 W BIG BEAVER RD SUITE 200 TROY, MI 48084 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | — | $15K | 11.39% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE SUITE 400 PARK 80 PLAZA 2 BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 1.43% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | DELTA DENTAL OF MICHIGAN | $4K | $283 | $5K | 3.46% |
| MICHIGAN PLANNERS, INC.3 | 59259 VAN DYKE ROAD WASHINGTON, MI 48094 | DELTA DENTAL OF MICHIGAN | $2K | — | $2K | 1.51% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 3331 W BEAVER ROAD TROY, MI 48084 | EYEMED VISION CARE | $2K | — | $2K | 8.17% |
| MICHIGAN PLANNERS, INC.3 | 59259 VAN DYKE 2ND FLOOR WASHINGTON, MI 48094 | EYEMED VISION CARE | $600 | — | $600 | 2.67% |
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 | 289 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 289 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 266 | $2.5M |
| Dental | DELTA DENTAL OF MICHIGAN | 426 | $133K |
| Vision | EYEMED VISION CARE | 319 | $22K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 289 | $134K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 289 | $134K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 289 | $134K |
| Prescription drug(2 contracts) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 266 | $2.5M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 289 | $134K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 426 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.