| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | PO BOX 350 CONSHOHOCKEN, PA 19428 | DELTA DENTAL OF MICHIGAN | $0 | $2K | $2K | 0.09% |
| MARSH & MCLENNAN AGENCY LLC3 | MMA TRION OPERATING P.O. BOX 412703 BOSTON, MA 02241 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $20K | $20K | 5.12% |
| ADP INC3 Filed as: ADP, INC | P.O. BOX 830272 PHILADELPHIA, PA 19182 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $16K | $16K | 3.99% |
| MARSH & MCLENNAN AGENCY LLC3 | MMA TRION OPERATING P.O. BOX 412703 BOSTON, MA 02241 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $20K | $20K | 6.24% |
| ADP INC3 Filed as: ADP, INC | P.O. BOX 830272 PHILADELPHIA, PA 19182 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $13K | $13K | 4.00% |
| MARSH & MCLENNAN AGENCY LLC3 | MMA TRION OPERATING P.O. BOX 412703 BOSTON, MA 02241 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $16K | $16K | 6.16% |
| ADP INC3 Filed as: ADP, INC | P.O. BOX 830272 PHILADELPHIA, PA 19182 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $10K | $10K | 3.99% |
| MARSH & MCLENNAN AGENCY LLC3 | MMA TRION OPERATING P.O. BOX 412703 BOSTON, MA 02241 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $49K | $15K | $65K | 26.21% |
| ADP INC3 Filed as: ADP, INC | P.O. BOX 830272 PHILADELPHIA, PA 19182 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $10K | $10K | 4.00% |
| MARSH & MCLENNAN AGENCY LLC3 | MMA TRION OPERATING P.O. BOX 412703 BOSTON, MA 02241 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $23K | $8K | $32K | 27.17% |
| ADP INC3 Filed as: ADP, INC | P.O. BOX 830272 PHILADELPHIA, PA 19182 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $5K | $5K | 4.00% |
| MARSH & MCLENNAN AGENCY LLC3 | MMA TRION OPERATING P.O. BOX 412703 BOSTON, MA 02241 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $4K | $4K | 6.23% |
| ADP INC3 Filed as: ADP, INC | P.O. BOX 830272 PHILADELPHIA, PA 19182 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $2K | $2K | 4.04% |
| MARSH & MCLENNAN AGENCY LLC3 | MMA TRION OPERATING P.O. BOX 412703 BOSTON, MA 02241 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $4K | $4K | 6.47% |
| ADP INC3 Filed as: ADP, INC | P.O. BOX 830272 PHILADELPHIA, PA 19182 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $2K | $2K | 3.99% |
| MARSH & MCLENNAN AGENCY LLC3 | MMA TRION OPERATING P.O. BOX 412703 BOSTON, MA 02241 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | $2K | $13K | 24.63% |
| ADP INC3 Filed as: ADP, INC | P.O. BOX 830272 PHILADELPHIA, PA 19182 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $2K | $2K | 4.00% |
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 | 2,529 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,539 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 4,046 | $1.6M |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,529 | $576K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,445 | $391K |
| Other(5 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,445 | $531K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,046 | — |
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.