| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REBECCA A MCLAUGHLAN3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $114K | $0 | $114K | 2.95% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGCY LLC | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $3K | $3K | 0.07% |
| MARSH & MCLENNAN AGENCY LLC3 | 309 WEBSTER ST DAYTON, OH 45402 | DELTA DENTAL OF MICHIGAN | $8K | $0 | $8K | 3.75% |
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DR MINNEAPOLIS, MN 55416 | DELTA DENTAL OF MICHIGAN | $7K | $0 | $7K | 3.38% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVENUE, SUITE 401 BOSTON, MA 02199 | DELTA DENTAL OF MICHIGAN | $5K | $0 | $5K | 2.43% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 755 W BIG BEAVER ROAD STE 2300 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $3K | $8K | 4.82% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER ROAD STE 2300 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $1K | $11K | 17.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC. | 755 W. BIG BEAVER ROAD STE 2300 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $945 | $8K | 17.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 755 W. BIG BEAVER ROAD STE 2300 TROY, MI 48084 | EYEMED VISION CARE | $5K | $0 | $5K | 14.73% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | UNUM INSURANCE COMPANY | $4K | $1K | $5K | 20.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | UNUM INSURANCE COMPANY | $3K | $983 | $4K | 16.55% |
| TRACY KATZ LLC4 | 1662 E MELTON RD BIRMINGHAM, MI 48009 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $2K | $0 | $2K | 16.12% |
| MARSH & MCLENNAN AGENCY LLC4 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $1K | $0 | $1K | 12.82% |
| KAUFMAN INSURANCE & FINANCIAL GROUP4 | 28470 W 13 MILE RD STE 350 FARMINGTON HILLS, MI 48334 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $35 | $0 | $35 | 0.31% |
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 | 432 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 445 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 655 | $3.9M |
| Dental | DELTA DENTAL OF MICHIGAN | 609 | $218K |
| Vision | EYEMED VISION CARE | 524 | $36K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 432 | $238K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 432 | $174K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 67 | $47K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 655 | $3.9M |
| Other(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 432 | $297K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 655 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.