| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DRIVE MINNEAPOLIS, MN 55416 | MEDICA INSURANCE COMPANY | $0 | $121 | $121 | 0.00% |
| CHRISTOPHER M BOUSCHET3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $18K | $0 | $18K | 1.23% |
| REBECCA A MCLAUGHLAN3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $16K | $0 | $16K | 1.15% |
| 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 | 0.08% |
| CHRISTOPHER M BOUSCHET3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $16K | $0 | $16K | 1.64% |
| REBECCA A MCLAUGHLAN3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $9K | $0 | $9K | 0.97% |
| 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 | $853 | $853 | 0.09% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $52K | $20K | $72K | 8.64% |
| KEELER & ASSOCIATES3 | 211 S 23RD ST PLATTSMOUTH, NE 68048 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $44K | $0 | $44K | 5.25% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $26K | $16K | $42K | 5.21% |
| KEELER & ASSOCIATES3 | 211 S 23RD ST PLATTSMOUTH, NE 68048 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $39K | $0 | $39K | 4.81% |
| KEELER & ASSOCIATES3 | 211 S 23RD ST PLATTSMOUTH, NE 68048 | UNUM INSURANCE COMPANY | $22K | $0 | $22K | 10.67% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | UNUM INSURANCE COMPANY | $18K | $3K | $21K | 10.06% |
| KEELER & ASSOCIATES3 Filed as: KEELER, SHAWN J | 211 S 23RD ST PLATTSMOUTH, NE 68048 | UNUM INSURANCE COMPANY | $2K | $0 | $2K | 1.06% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER, CLARENCE | 1505 SW 10TH ST CAPE CORAL, FL 33991 | UNUM INSURANCE COMPANY | $2K | $0 | $2K | 1.06% |
| KEELER & ASSOCIATES3 | 211 S 23RD ST PLATTSMOUTH, NE 68048 | UNUM INSURANCE COMPANY | $12K | $0 | $12K | 10.06% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | UNUM INSURANCE COMPANY | $10K | $1K | $11K | 9.18% |
| KEELER & ASSOCIATES3 Filed as: KEELER, SHAWN J | 211 S 23RD ST PLATTSMOUTH, NE 68048 | UNUM INSURANCE COMPANY | $1K | $0 | $1K | 1.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER, CLARENCE | 1505 SW 10TH ST CAPE CORAL, FL 33991 | UNUM INSURANCE COMPANY | $1K | $0 | $1K | 1.02% |
| KEELER & ASSOCIATES3 Filed as: KEELER, SHAWN J | 211 S 23RD ST PLATTSMOUTH, NE 68048 | UNUM INSURANCE COMPANY | $23K | $0 | $23K | 20.00% |
| KEELER & ASSOCIATES3 | 211 S 23RD ST PLATTSMOUTH, NE 68048 | UNUM INSURANCE COMPANY | $12K | $0 | $12K | 10.02% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | UNUM INSURANCE COMPANY | $9K | $2K | $11K | 9.32% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER, CLARENCE | 1505 SW 10TH ST CAPE CORAL, FL 33991 | UNUM INSURANCE COMPANY | $1K | $0 | $1K | 1.00% |
| MARSH & MCLENNAN AGENCY LLC4 | 7225 NORTHLAND DR N STE 300 MINNEAPOLIS, MN 55428 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $7K | $0 | $7K | 10.00% |
| WILLIAM J WALKER4 | 3215 WAYLAND RD WAYLAND, IA 52654 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $3K | $0 | $3K | 4.00% |
| FOOTPRINTS IN THE SAND FITS LLC4 | 725 OAKSDALE SUMMIT CT WILDWOOD, MO 63011 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $2K | $0 | $2K | 2.27% |
| BRADLEY L WALKER4 | 1216 N 3RD AVE WASHINGTON, IA 52353 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $2K | $0 | $2K | 2.24% |
| PETRILL AND ASSOCIATES LLC4 | 439 CHRISTOPHER RD SHELBY, NC 28152 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $1K | $0 | $1K | 1.84% |
| THOMAS OWENS4 | P.O. BOX 781431 WICHITA, KS 67278 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $975 | $0 | $975 | 1.36% |
| ALAN ROMAN4 | 7220 PRINCETON AVE SAINT LOUIS, MO 63130 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $925 | $0 | $925 | 1.29% |
| MARSH & MCLENNAN AGENCY LLC3 | P O BOX 5113 SIOUX FALLS, SD 57117 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 16.48% |
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTRE DR STE 200 CHESTERFIELD, MO 63017 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 20.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DRIVE MINNEAPOLIS, MN 55416 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 19.99% |
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 | 1,575 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 30 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,605 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 5 carriers) | MEDICA INSURANCE COMPANY | 1,530 | $19.0M |
| Vision(2 contracts) | EYEMED | 2,215 | $178K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,575 | $834K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,569 | $803K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,569 | $803K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 216 | $2.4M |
| Other(9 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,575 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,215 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.