| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $94K | — | $94K | 4.87% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $26K | $3K | $28K | 10.98% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | VISION SERVICE PLAN | $1K | — | $1K | 1.76% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA, INC. | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | VISION SERVICE PLAN | $883 | — | $883 | 1.07% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $549 | $6K | 10.93% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $320 | $4K | 10.96% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $143 | $10 | $153 | 16.11% |
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 | 769 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 783 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CARE NETWORK OF MICHIGAN | 478 | $1.9M |
| Vision | VISION SERVICE PLAN | 621 | $83K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 769 | $259K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 511 | $59K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 478 | $1.9M |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 769 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 769 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.