| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W BIG BEAVER RD SUITE 200 TROY, MI 48084 | HARTFORD LIFE AND ACCIDENT | $52K | $0 | $52K | 8.96% |
| LSG INSURANCE PARTNERS3 Filed as: LSG INSURANCE PARTNERS INC | 2600 S TELEGRAPH SUITE 100 BLOOMFIELD HILLS, MI 48302 | HARTFORD LIFE AND ACCIDENT | $22K | $0 | $22K | 3.76% |
| LSG INSURANCE PARTNERS3 Filed as: LSG INSURANCE PARTNERS INC | 2600 S TELEGRAPH SUITE 100 BLOOMFIELD HILLS, MI 48302 | AETNA LIFE INSURANCE CO | $0 | $0 | $0 | 0.00% |
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 | 655 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 655 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE CO | 123 | $35K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY/EYEMED | 992 | $64K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 845 | $579K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 845 | $579K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 845 | $584K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 992 | — |
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.