| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | ALLIANCE HEALTH & LIFE INSURANCE COMPANY | $51K | — | $51K | 1.93% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | DELTA DENTAL OF MICHIGAN | $16K | — | $16K | 7.31% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $13K | $2K | $15K | 11.91% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $982 | $7K | 11.68% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $2K | $2K | 10.10% |
| REBECCA A MCLAUGHLAN3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $580 | — | $580 | 2.48% |
| THOMAS MCGRAW3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $434 | — | $434 | 1.85% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $233 | $2K | 17.11% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $504 | $85 | $589 | 11.69% |
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 | 172 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 31 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 203 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ALLIANCE HEALTH & LIFE INSURANCE COMPANY | 389 | $2.7M |
| Dental | DELTA DENTAL OF MICHIGAN | 431 | $218K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 412 | $23K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 198 | $127K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 201 | $58K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 198 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 431 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.