| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3331 W. BIG BEAVER ROAD SUITE 200 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $20K | $1K | $21K | 2.80% |
| ACTION BENEFITS COMPANY3 | 26533 EVERGREEN ROAD SUITE 400 SOUTHFIELD, MI 48076 | BLUE CARE NETWORK OF MICHIGAN | $3K | — | $3K | 0.44% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3331 W. BIG BEAVER ROAD SUITE 200 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $13K | $526 | $13K | 2.69% |
| ACTION BENEFITS COMPANY3 | 26533 EVERGREEN ROAD SUITE 400 SOUTHFIELD, MI 48076 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $2K | — | $2K | 0.45% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3331 W. BIG BEAVER ROAD SUITE 200 TROY, MI 48084 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $2K | $8K | 8.06% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3331 W. BIG BEAVER ROAD SUITE 200 TROY, MI 48084 | UNUM LIFE INSURANCE COPANY OF AMERICA | $7K | $1K | $8K | 11.89% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3331 W. BIG BEAVER ROAD SUITE 200 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $319 | $3K | 15.42% |
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 | 116 | 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) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 175 | $1.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 302 | $102K |
| Vision(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 175 | $1.2M |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COPANY OF AMERICA | 116 | $85K |
| Long-term disability | UNUM LIFE INSURANCE COPANY OF AMERICA | 116 | $67K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 175 | $1.2M |
| Other | UNUM LIFE INSURANCE COPANY OF AMERICA | 116 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 302 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.