| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GREEN, MICHAEL | 30150 TELEGRAPH RD STE 408 FRANKLIN, MI 48025 | PRIORITY HEALTH INSURANCE COMPANY | $59K | — | $59K | 2.18% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3331 W BIG BEAVER RD STE 200 TROY, MI 48084 | PRIORITY HEALTH INSURANCE COMPANY | $18K | — | $18K | 0.68% |
| GREEN, MICHAEL3 | 30150 TELEGRAPH RD STE 408 FRANKLIN, MI 48025 | PRIORITY HEALTH | $54K | — | $54K | 2.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3331 W BIG BEAVER RD STE 200 TROY, MI 48081 | PRIORITY HEALTH | $15K | — | $15K | 0.70% |
| BENEFIT PROFILES INC3 Filed as: BENEFIT PROFILES, INC. | 500 CASCADE WEST PKWY GRAND RAPIDS, MI 49546 | DELTA DENTAL OF MICHIGAN | $11K | $1K | $13K | 2.46% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3331 W BIG BEAVER RD STE 200 TROY, MI 48084 | DELTA DENTAL OF MICHIGAN | $4K | — | $4K | 0.75% |
| SEE ATTACHED3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $168K | $13K | $181K | 36.23% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 30150 TELEGRAPH RD STE 408 BINGHAM FARMS, MI 48025 | KAISER FOUNDATION HEALTH PLAN INC | $10K | — | $10K | 3.59% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3331 W BIG BEAVER RD STE 200 TROY, MI 48084 | KAISER FOUNDATION HEALTH PLAN INC | $5K | — | $5K | 1.79% |
| SEE ATTACHED3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $50K | $3K | $54K | 34.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 30150 TELEGRAPH RD STE 408 BINGHAM FARMS, MI 48025 | KAISER FOUNDATION HEALTH PLAN INC | $3K | — | $3K | 3.82% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3331 W BIG BEAVER RD STE 200 TROY, MI 48084 | KAISER FOUNDATION HEALTH PLAN INC | $1K | — | $1K | 1.78% |
| MARSH & MCLENNAN AGENCY LLC Filed as: MARSH & MCLENNAN AGENCY, LLC | 3331 W BIG BEAVER RD STE 200 TROY, MI 48084 | VISION SERVICE PLAN | $1K | — | $1K | 1.48% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 30150 TELEGRAPH RD SUITE 408 BINGHAM FARMS, MI 48025 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $73 | $9K | 15.12% |
| BENEFIT PROFILES INC3 | 500 CASCADE WEST PKWY SUITE 160 GRAND RAPIDS, MI 49546 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $968 | $3K | 4.48% |
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 | 793 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 58 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 851 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | PRIORITY HEALTH INSURANCE COMPANY | 1,741 | $5.2M |
| Dental | DELTA DENTAL OF MICHIGAN | 1,467 | $515K |
| Vision | VISION SERVICE PLAN | 825 | $74K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 0 | $60K |
| Prescription drug(4 contracts, 3 carriers) | PRIORITY HEALTH INSURANCE COMPANY | 1,741 | $5.2M |
| Other(4 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 747 | $741K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,741 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.