| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD, SUITE 2300 TROY, MI 48084 | SUN LIFE ASSURANCE COMPANY OF CANADA | $28K | $25K | $53K | 9.51% |
| MARSH & MCLENNAN AGENCY LLC | 755 W BIG BEAVER RD, SUITE 2300 TROY, MI 48084 | RELIASTAR LIFE INSURANCE | $31K | — | $31K | 12.57% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE, SUITE 401 BOSTON, MA 02199 | DELTA DENTAL OF MICHIGAN | $7K | $831 | $8K | 3.32% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD, SUITE 2300 TROY, MI 480844907 | VISION SERVICE PLAN | $1K | — | $1K | 2.72% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER RD, SUITE 2300 TROY, MI 48084 | BLUE CROSS BLUE SHIELD MICHIGAN | $41K | $4K | $44K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 TPA | Recordkeeping and information management (computing, tabulating, data processing, etc.); Insurance services; Claims processing; Contract Administrator; Consulting (general); Float revenue; Insurance mortality and expense charge; Direct payment from the plan Service code 12 | 600 E LAFAYETTE BLVD DETROIT, MI 48226 | $322K |
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 | 316 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 168 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 484 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD MICHIGAN | 379 | $0 |
| Dental | DELTA DENTAL OF MICHIGAN | 698 | $233K |
| Vision | VISION SERVICE PLAN | 427 | $38K |
| Life insurance | RELIASTAR LIFE INSURANCE | 484 | $247K |
| Short-term disability | RELIASTAR LIFE INSURANCE | 484 | $247K |
| Long-term disability | RELIASTAR LIFE INSURANCE | 484 | $247K |
| Prescription drug | RX BENEFITS, INC | 284 | $0 |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 379 | $554K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 698 | — |
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.