| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DRIVE MINNEAPOLIS, MN 55416 | MEDICA INSURANCE COMPANY | $0 | $207 | $207 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 | P O BOX 350 CONSHOHOCKEN, PA 19428 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $0 | $3K | $3K | 0.14% |
| REBECCA A MCLAUGHLAN3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $34K | $0 | $34K | 2.89% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGCY LLC | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $1K | $1K | 0.09% |
| REBECCA A MCLAUGHLAN3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $24K | $0 | $24K | 2.78% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGCY LLC | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $0 | $648 | $648 | 0.08% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $26K | $38K | $64K | 8.51% |
| KEELER & ASSOCIATES3 | 211 S 23RD ST PLATTSMOUTH, NE 68048 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $39K | $0 | $39K | 5.25% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $41K | $30K | $71K | 10.79% |
| KEELER & ASSOCIATES3 | 211 S 23RD ST PLATTSMOUTH, NE 68048 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $35K | $0 | $35K | 5.25% |
| KEELER & ASSOCIATES3 | 211 S 23RD ST PLATTSMOUTH, NE 68048 | UNUM INSURANCE COMPANY | $14K | $0 | $14K | 9.19% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | UNUM INSURANCE COMPANY | $12K | $3K | $14K | 9.16% |
| KEELER & ASSOCIATES3 Filed as: KEELER, SHAWN J | 211 S 23RD ST PLATTSMOUTH, NE 68048 | UNUM INSURANCE COMPANY | $1K | $0 | $1K | 0.91% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER, CLARENCE | 1505 SW 10TH ST CAPE CORAL, FL 33991 | UNUM INSURANCE COMPANY | $1K | $0 | $1K | 0.91% |
| KEELER & ASSOCIATES3 | 211 S 23RD ST PLATTSMOUTH, NE 68048 | UNUM INSURANCE COMPANY | $9K | $0 | $9K | 10.05% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | UNUM INSURANCE COMPANY | $7K | $2K | $9K | 9.98% |
| KEELER & ASSOCIATES3 Filed as: KEELER, SHAWN J | 211 S 23RD ST PLATTSMOUTH, NE 68048 | UNUM INSURANCE COMPANY | $854 | $0 | $854 | 1.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER, CLARENCE | 1505 SW 10TH ST CAPE CORAL, FL 33991 | UNUM INSURANCE COMPANY | $854 | $0 | $854 | 1.00% |
| KEELER & ASSOCIATES3 Filed as: KEELER, SHAWN J | 211 S 23RD ST PLATTSMOUTH, NE 68048 | UNUM INSURANCE COMPANY | $16K | $0 | $16K | 20.00% |
| KEELER & ASSOCIATES3 | 211 S 23RD ST PLATTSMOUTH, NE 68048 | UNUM INSURANCE COMPANY | $8K | $0 | $8K | 10.02% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | UNUM INSURANCE COMPANY | $6K | $2K | $8K | 9.98% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER, CLARENCE | 1505 SW 10TH ST CAPE CORAL, FL 33991 | UNUM INSURANCE COMPANY | $813 | $0 | $813 | 1.00% |
| MARSH & MCLENNAN AGENCY LLC3 | P O BOX 5113 SIOUX FALLS, SD 57117 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 13.74% |
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTRE DR STE 200 CHESTERFIELD, MO 63017 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 20.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DRIVE MINNEAPOLIS, MN 55416 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 20.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 7015 COLLEGE BLVD STE 400 OVERLAND PARK, KS 66211 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $142 | $0 | $142 | 20.03% |
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 | 1,239 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 21 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,260 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 6 carriers) | MEDICA INSURANCE COMPANY | 1,146 | $15.1M |
| Vision(2 contracts) | EYEMED | 2,003 | $146K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,461 | $660K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,531 | $752K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,531 | $752K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 205 | $2.0M |
| Other(9 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,461 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,003 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.