| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER ROAD STE 200 TROY, MI 48084 | SUN LIFE ASSURANCE COMPANY OF CANADA | $16K | $0 | $16K | 4.58% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | DELTA DENTAL OF MICHIGAN | $9K | $0 | $9K | 3.43% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 3331 W BIG BEAVER RD STE 200 TROY, MI 480842814 | RELIASTAR LIFE INSURANCE COMPANY | $29K | $0 | $29K | 12.73% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W BIG BEAVER RD SUITE 200 TROY, MI 480842814 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $5K | $0 | $5K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 TPA | Float revenue; Insurance services; Contract Administrator; Other fees; Direct payment from the plan; Claims processing; Consulting (general); Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | 600 E LAFAYETTE BLVD DETROIT, MI 48226 | $296K |
| MERITAIN HEALTH EIN 16-1264154 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Claims processing; Insurance services Service code 12 | 300 CORPORATE PKWY AMHERST, NY 14226 | $24K |
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 | 293 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 148 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 441 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 375 | $0 |
| Dental | DELTA DENTAL OF MICHIGAN | 715 | $261K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 441 | $232K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 441 | $232K |
| Prescription drug(2 contracts, 2 carriers) | RXBENEFITS, INC. | 460 | $912K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 392 | $341K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 715 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.