| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W BIG BEAVER TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $88K | — | $88K | 1.56% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W BIG BEAVER TROY, MI 48084 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $27K | — | $27K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W BIG BEAVER TROY, MI 48084 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $15K | — | $15K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W BIG BEAVER TROY, MI 48084 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | — | $9K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W BIG BEAVER TROY, MI 48084 | HM LIFE INSURANCE COMPANY | $9K | — | $9K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W BIG BEAVER TROY, MI 48084 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $138 | $5K | 20.56% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 3331 W BIG BEAVER TROY, MI 48084 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $122 | $5K | 20.53% |
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 | 982 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 27 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,009 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 1,341 | $5.6M |
| Dental | BLUE CROSS BLUE SHIELD OF ILLINOIS | 1,341 | $5.6M |
| Vision | HM LIFE INSURANCE COMPANY | 1,032 | $61K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,157 | $244K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,016 | $100K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF ILLINOIS | 1,341 | $5.6M |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 122 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,341 | — |
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.