| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER ROAD SUITE 2300 TROY, MI 48084 | SYMETRA LIFE INSURANCE COMPANY | $31K | $16K | $47K | 7.68% |
| MARSH & MCLENNAN AGENCY LLC3 | 775 W BIG BEAVER ROAD SUITE 2300 TROY, MI 48084 | DELTA DENTAL | $9K | — | $9K | 2.85% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER ROAD SUITE 2300 TROY, MI 48084 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $26K | $0 | $26K | 12.38% |
| JAMES R NELLIGAN & ASSOCIATES LLC Filed as: JAMES R NELLIGAN ASSOCIATES LLC | 11 MARISSA DR NEW EGYPT, NJ 08533 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | — | $11K | $11K | 5.05% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER ROAD SUITE 2300 TROY, MI 48084 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 1.95% |
| WEYCO INC3 | 2370 SCIENCE PKWY OKEMOS, MI 48864 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $668 | $0 | $668 | 1.24% |
| ROBIN K SHELLENBERGER3 | 174 HICKORY HILLS MARSHALL, MI 49068 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $635 | — | $635 | 1.18% |
| VOLUNTARY SOLUTIONS INC3 | 9903 E 150TH AVE BRIGHTON, CO 80602 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $436 | — | $436 | 0.81% |
| NATIONAL ENROLLMENT PARTNERS LLC3 | 401 S MOUNT JULIET STE 235 PMB 184 MR JULIET, TN 37076 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $51 | — | $51 | 0.09% |
| GRIFFIN, STEVEN, RAY3 | 2000 MORRIS AVE STE 1400 BIRMINGHAM, AL 35203 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $51 | — | $51 | 0.09% |
| DANIEL OWEN MACLELLAN3 | P.O. BOX 58434 NASHVILLE, TN 37205 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $48 | — | $48 | 0.09% |
| MERITAIN HEALTH3 Filed as: MERITAIN HEALTH INC | 300 CORPORATE PKWY AMHERST, NY 14226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $33 | — | $33 | 0.06% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER ROAD SUITE 2300 TROY, MI 48084 | VISION SERVICE PLAN | $2K | $0 | $2K | 5.96% |
| VOLUNTARY SOLUTIONS INC3 | 9903 E 150TH AVE BRIGHTON, CO 80602 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $492 | — | $492 | 12.51% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER ROAD SUITE 2300 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $478 | — | $478 | 12.16% |
| NATIONAL ENROLLMENT PARTNERS LLC3 | 401 S MOUNT JULIET STE 235 PMB 184 MR JULIET, TN 37076 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $63 | — | $63 | 1.60% |
| DANIEL OWEN MACLELLAN3 | P.O. BOX 58434 NASHVILLE, TN 37205 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $25 | — | $25 | 0.64% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER ROAD SUITE 2300 TROY, MI 48084 | BLUE CROSS BLUE SHIELD MICHIGAN | $44K | $4K | $47K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 TPA | Insurance services; Consulting (general); Contract Administrator; Direct payment from the plan; Claims processing; Other fees; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | 600 E LAFAYETTE BLVD DETROIT, MI 48226 | $371K |
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 | 346 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 209 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 555 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 404 | $4K |
| Dental | DELTA DENTAL | 766 | $300K |
| Vision | VISION SERVICE PLAN | 434 | $33K |
| Life insurance(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 556 | $266K |
| Short-term disability(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 556 | $266K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 556 | $212K |
| Prescription drug | RXBENEFITS, INC. | 270 | $0 |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 410 | $615K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 766 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.