| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 3331 W BIG BEAVER RD SUITE 200 TROY, MI 48084 | SUN LIFE ASSURANCE COMPANY OF CANADA | $23K | $6K | $29K | 6.59% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | DELTA DENTAL OF MICHIGAN | $8K | — | $8K | 2.93% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 3331 W BIG BEAVER RD SUITE 200 TROY, MI 48084 | RELIASTAR LIFE INSURANCE COMPANY | $29K | $0 | $29K | 13.21% |
| WEYCO INC3 Filed as: WEYCO | 2370 SCIENCE PKWY OKEMOS, MI 48864 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 1.46% |
| ROBIN K SHELLENBERGER3 Filed as: ROBIN SHELLENBERGER | 174 HICKORY HILLS MARSHALL, MI 49068 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 1.32% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 3331 W BIG BEAVER ROAD TROY, MI 48084 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $916 | $46 | $962 | 1.09% |
| DANIEL MACLELLAN3 | PO BOX 58434 NASHVILLE, TN 37205 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $129 | — | $129 | 0.15% |
| GRIFFIN, STEVEN, RAY3 | 2000 MORRIS AVE BIRMINGHAM, AL 35203 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $127 | — | $127 | 0.14% |
| MERITAIN HEALTH3 Filed as: MERITAIN HEALTH INC. | 300 CORPORATE PKWY AMHERST, NY 14226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $63 | — | $63 | 0.07% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W BIG BEAVER ROAD, SUITE 200 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $41K | $4K | $45K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 TPA | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Consulting (general); Insurance services; Float revenue; Contract Administrator; Claims processing; Other fees Service code 12 | 600 E LAFAYETTE BLVD DETROIT, MI 48226 | $319K |
| MERITAIN HEALTH EIN 16-1264154 TPA | Insurance services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Claims processing Service code 12 | 300 CORPORATE PKWY AMHERST, NY 14226 | $18K |
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 | 298 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 157 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 455 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 369 | $0 |
| Dental | DELTA DENTAL OF MICHIGAN | 685 | $289K |
| Vision | VISION SERVICE PLAN | 450 | $34K |
| Life insurance(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 467 | $307K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 276 | $88K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 467 | $218K |
| Prescription drug | RXBENEFITS, INC. | 315 | $0 |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 380 | $441K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 685 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.