| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THOMAS MCGRAW3 Filed as: THOMAS MCGRAW - MCGRAW WENTWORTH | 3331 W BIG BEAVER ROAD SUITE 200 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $208K | $12K | $220K | 3.47% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | DELTA DENTAL OF MICHIGAN | $16K | — | $16K | 5.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRAW WENTWORTH | 3331 WEST BIG BEAVER ROAD SUITE 200 TROY, MI 48084 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $24K | $1K | $25K | 12.36% |
| GREAT LAKES EMPLOYEE BENEFIT SVS3 | 50 W BIG BEAVER ROAD SUITE 460 TROY, MI 48084 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | -$18 | $2 | -$16 | -0.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRAW WENTWORTH | 3331 WEST BIG BEAVER ROAD SUITE 200 TROY, MI 48084 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $21K | $875 | $22K | 12.51% |
| GREAT LAKES EMPLOYEE BENEFIT SVS3 | W BIG BEAVER ROAD SUITE 460 TROY, MI 48084 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $0 | $0 | $0 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRAW WENTWORTH | 3331 WEST BIG BEAVER ROAD SUITE 200 TROY, MI 48084 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $23K | $620 | $24K | 19.91% |
| GREAT LAKES EMPLOYEE BENEFIT SVS3 | 50 W BIG BEAVER ROAD SUITE 460 TROY, MI 48084 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $0 | $0 | $0 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W BIG BEAVER ROAD SUITE 200 TROY, MI 48084 | VISION SERVICE PLAN | $3K | $0 | $3K | 4.14% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA, INC. | 3331 W BIG BEAVER ROAD SUITE 200 TROY, MI 48084 | VISION SERVICE PLAN | $537 | $0 | $537 | 0.86% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 CONTRACT ADMINISTRATOR | Claims processing Service code 12 | — | $21K |
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 | 637 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 647 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 1,303 | $6.3M |
| Dental | DELTA DENTAL OF MICHIGAN | 1,434 | $325K |
| Vision | VISION SERVICE PLAN | 464 | $63K |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 679 | $205K |
| Short-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 679 | $173K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 679 | $118K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 1,303 | $6.3M |
| Other | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 679 | $205K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,434 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.