| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVENUE, SUITE 401 BOSTON, MA 02199 | DELTA DENTAL | $7K | $22K | $28K | 11.10% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH MCLENNAN AGENCY, LLC | 755 W. BIG BEAVER ROAD SUITE 2300 TROY, MI 48084 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $25K | $10K | $36K | 24.55% |
| MARSH & MCLENNAN AGENCY LLC | 33213 COLLECTION CENTER DR CHICAGO, IL 606930001 | VISION SERVICE PLAN | $1K | — | $1K | 3.26% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER ROAD SUITE 2300 TROY, MI 48084 | BLUE CROSS BLUE SHIELD MICHIGAN | $41K | $4K | $46K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SCHIELD OF MICHIGAN EIN 38-2069753 TPA | Consulting (general); Other fees; Float revenue; Insurance services; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Direct payment from the plan Service code 12 | 600 E LAFAYETTE BLVD DETROIT, MI 48226 | $336K |
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 | 319 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 186 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 505 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD MICHIGAN | 382 | $0 |
| Dental | DELTA DENTAL | 707 | $255K |
| Vision | VISION SERVICE PLAN | 412 | $38K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 505 | $146K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 505 | $146K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 505 | $146K |
| Prescription drug | RXBENEFITS, INC | 264 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 707 | — |
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.