| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REBECCA A MCLAUGHLAN3 | 755 W. BIG BEAVER RD SUITE 2300 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $99K | $0 | $99K | 1.74% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W. BIG BEAVER RD. STE. 2300 TROY, MI 48084 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $93K | $16K | $109K | 14.08% |
| MARSH & MCLENNAN AGENCY LLC3 | 309 WEBSTER ST DAYTON, OH 45402 | DELTA DENTAL OF MICHIGAN | $6K | $0 | $6K | 2.09% |
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DR MINNEAPOLIS, MN 55416 | DELTA DENTAL OF MICHIGAN | $4K | $0 | $4K | 1.61% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVENUE SUITE 401 BOSTON, MA 02199 | DELTA DENTAL OF MICHIGAN | $1K | $0 | $1K | 0.38% |
| MARSH & MCLENNAN AGENCY LLC3 | 33213 COLLECTION CENTER DR CHICAGO, IL 60693 | VISION SERVICE PLAN | $3K | $0 | $3K | 5.17% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W BIG BEAVER RD STE 200 TROY, MI 48084 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | $0 | $8K | 13.52% |
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 | 587 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 592 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 916 | $5.7M |
| Dental | DELTA DENTAL OF MICHIGAN | 1,068 | $267K |
| Vision | VISION SERVICE PLAN | 425 | $61K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 587 | $774K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 587 | $774K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 587 | $774K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 916 | $5.7M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 587 | $830K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,068 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.