| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THOMAS MCGRAW3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $73K | — | $73K | 3.67% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $2K | $2K | 0.11% |
| JOHN D DAWSON3 | 400 N. EXECUTIVE DR., SUITE 300 BROOKFIELD, WI 53005 | BLUE CROSS BLUE SHIELD OF MICHIGAN | -$6K | — | -$6K | -0.32% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | DELTA DENTAL OF MICHIGAN | $16K | — | $16K | 8.63% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $12K | $707 | $13K | 10.58% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $209 | $5K | 10.43% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $64 | $1K | 10.55% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $424 | $24 | $448 | 10.56% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 10281 | FEDERAL INSURANCE COMPANY | $599 | — | $599 | 15.00% |
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 | 192 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 195 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 359 | $2.0M |
| Dental | DELTA DENTAL OF MICHIGAN | 377 | $185K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 192 | $122K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 192 | $49K |
| Other(3 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 192 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 377 | — |
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.