| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 755 W. BIG BEAVER SUITE 2300 TROY, MI 48084 | ALLIANCE HEALTH AND LIFE INSURANCE COMPANY | $50K | $0 | $50K | 2.25% |
| MARSH & MCLENNAN AGENCY LLC3 | 309 WEBSTER ST DAYTON, OH 45402 | DELTA DENTAL | $6K | $0 | $6K | 3.26% |
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DR MINNEAPOLIS, MN 55416 | DELTA DENTAL | $5K | $0 | $5K | 2.72% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVENUE SUITE 401 BOSTON, MA 02199 | DELTA DENTAL | $4K | $0 | $4K | 1.97% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $12K | $3K | $15K | 12.02% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $940 | $6K | 11.92% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 755 W. BIG BEAVER RD. STE. 2300 TROY, MI 48084 | EYEMED | $1K | $0 | $1K | 4.99% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $377 | $4K | 22.28% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $269 | $3K | 22.05% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 WEST BIG BEAVER SUITE 2300 TROY, MI 48084 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $221 | $1K | 12.14% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $467 | $90 | $557 | 11.92% |
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 | 215 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 219 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ALLIANCE HEALTH AND LIFE INSURANCE COMPANY | 361 | $2.2M |
| Dental | DELTA DENTAL | 394 | $187K |
| Vision | EYEMED | 389 | $30K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 198 | $124K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 198 | $49K |
| Prescription drug(2 contracts, 2 carriers) | ALLIANCE HEALTH AND LIFE INSURANCE COMPANY | 361 | $2.2M |
| Other(5 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 198 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 394 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.