| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $70K | $12K | $82K | 11.26% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $7K | $7K | $14K | 3.45% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $5K | $5K | $10K | 3.45% |
| SEE ATTACHED3 | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $54K | — | $54K | 24.03% |
| SEE ATTACHED3 | — | AFLAC | $12K | — | $12K | 11.94% |
| TAIGA SERVICES3 | 7476 E. QUILL LANE SCOTTSDALE, AZ 85255 | HYATT LEGAL PLANS | $916 | — | $916 | 11.36% |
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 | 2,920 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 23 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,943 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 4,413 | $730K |
| Short-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 2,182 | $400K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 2,182 | $294K |
| Other(6 contracts, 6 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 7,300 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,300 | — |
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.