| 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 | $212K | $7K | $219K | 3.38% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $41K | $7K | $48K | 12.76% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | DELTA DENTAL OF MICHIGAN | $16K | — | $16K | 4.98% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $27K | $6K | $33K | 14.56% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $21K | $4K | $25K | 14.42% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W BIG BEAVER ROAD SUITE 200 TROY, MI 48084 | VISION SERVICE PLAN | $3K | — | $3K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | CONTINENTAL AMERICAN INSURANCE COMPANY | $46K | — | $46K | 67.39% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | FEDERAL INSURANCE COMPANY | $1K | — | $1K | 15.00% |
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 | 736 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 740 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 1,328 | $6.5M |
| Dental | DELTA DENTAL OF MICHIGAN | 1,501 | $331K |
| Vision | VISION SERVICE PLAN | 502 | $68K |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 736 | $228K |
| Short-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 736 | $374K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 736 | $174K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 1,328 | $6.5M |
| Other(3 contracts, 3 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 736 | $303K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,501 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.