| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC | 755 W. BIG BEAVER ROAD TROY, MI 48084 | SYMETRA LIFE INSURANCE COMPANY | $35K | $5K | $40K | 17.22% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER ROAD TROY, MI 48084 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $27K | $3K | $30K | 16.85% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER ROAD TROY, MI 48084 | HM LIFE INSURANCE COMPANY | $9K | — | $9K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER ROAD TROY, MI 48084 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $512 | $6K | 21.79% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 755 W BIG BEAVER ROAD TROY, MI 48084 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $537 | $6K | 21.90% |
| MARSH & MCLENNAN AGENCY LLC Filed as: MARSH & MCLENNAN AGENCY LTD | 3331 WEST BIG BEAVER TROY, MI 48084 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 20.00% |
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 | 1,048 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,070 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | HM LIFE INSURANCE COMPANY | 1,091 | $63K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 1,258 | $231K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,034 | $180K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 139 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,258 | — |
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.