| 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 | $120K | $0 | $120K | 2.55% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 755 W BIG BEAVER RD, STE 2300 TROY, MI 480848084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $6K | $6K | 0.14% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 755 W BIG BEAVER RD, STE 2300 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $29K | $4K | $33K | 17.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 755 W BIG BEAVER RD, STE 2300 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $1K | $10K | 17.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 755 W BIG BEAVER RD, STE 2300 TROY, MI 48084 | UNUM INSURANCE COMPANY | $2K | $310 | $2K | 17.27% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 755 W BIG BEAVER RD, STE 2300 TROY, MI 48084 | UNUM INSURANCE COMPANY | $801 | $256 | $1K | 9.42% |
| MARSH & MCLENNAN AGENCY LLC4 | 755 W BIG BEAVER RD, STE 2300 TROY, MI 48084 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $638 | $0 | $638 | 17.00% |
| WILLIAM J WALKER4 | 3215 WAYLAND RD WAYLAND, IA 52654 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $46 | $0 | $46 | 1.23% |
| MARSH & MCLENNAN AGENCY LLC4 Filed as: MARSH & MCLENNAN AGENCY, LLC | 755 W BIG BEAVER RD, STE 2300 TROY, MI 48084 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $61 | $0 | $61 | 17.09% |
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 | 346 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 346 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 755 | $4.7M |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 755 | $4.7M |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 755 | $4.7M |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 336 | $251K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 336 | $192K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 336 | $192K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 755 | $4.7M |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF MICHIGAN | 755 | $4.7M |
| Other(7 contracts, 4 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 755 | $5.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 755 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.