| 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 | $33K | $11K | $45K | 6.71% |
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DR MINNEAPOLIS, MN 55416 | DELTA DENTAL | $8K | — | $8K | 3.07% |
| MARSH & MCLENNAN AGENCY LLC3 | MMA TRION OPERATING PO BOX 412703 BOSTON, MA 022412703 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $28K | $9K | $37K | 16.43% |
| MARSH & MCLENNAN AGENCY LLC3 | 33213 COLLECTION CENTER DR CHICAGO, IL 60693 | VISION SERVICE PLAN | $1K | — | $1K | 2.83% |
| MARSH & MCLENNAN AGENCY LLC3 | SUITE 2300 755 W BIG BEAVER RD TROY, MI 48084 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $544 | — | $544 | 1.23% |
| ROBIN K SHELLENBERGER3 | 174 HICKORY HILL MARSHALL, MI 49068 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $473 | — | $473 | 1.07% |
| WEYCO INC3 | 2370 SCIENCE PKWY OKEMOS, MI 48864 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $450 | — | $450 | 1.02% |
| VOLUNTARY SOLUTIONS INC3 | 9903 E 150TH AVE BRIGHTON, CO 80602 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $450 | — | $450 | 1.02% |
| NATIONAL ENROLLMENT PARTNERS LLC3 | SUITE 240 2000 CHAPEL VIEW BLVD CRANSTON, RI 02920 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $49 | $49 | 0.11% |
| STEVEN RAY GRIFFIN3 | STE 1400 200 MORRIS AVE BIRMINGHAM, AL 35203 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $38 | — | $38 | 0.09% |
| DANIEL OWEN MACLELLAN3 | PO BOX 58434 P.O. BOX 129 NASHVILLE, TN 37205 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $35 | — | $35 | 0.08% |
| MERITAN HEALTH3 Filed as: MERITAN HEALTH INC | 300 CORPORATE PKWY AMHERST, NY 14226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $26 | — | $26 | 0.06% |
| VOLUNTARY SOLUTIONS INC3 | 9903 E 150TH AVE BRIGHTON, CO 80602 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $682 | — | $682 | 13.68% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W BIG BEAVER ROAD SUITE 2300 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $578 | — | $578 | 11.59% |
| NATIONAL ENROLLMENT PARTNERS LLC3 | SUITE 240 2000 CHAPEL VIEW BLVD CRANSTON, RI 37076 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $79 | — | $79 | 1.58% |
| DANIEL OWEN MACLELLAN3 | PO BOX 58434 NASHVILLE, TN 37205 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7 | — | $7 | 0.14% |
| MARSH & MCLENNAN AGENCY LLC3 | MMA TRION OPERATING PO BOX 412703 BOSTON, MA 02241 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $680 | $181 | $861 | 18.99% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W BIG BEAVER ROAD SUITE 2300 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $43K | $4K | $47K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 TPA | Claims processing; Contract Administrator; Direct payment from the plan; Insurance services; Consulting (general); Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Non-monetary compensation; Other fees Service code 12 | 600 E LAFAYETTE BLVD DETROIT, MI 48226 | $355K |
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 | 341 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 219 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 560 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 401 | $49K |
| Dental | DELTA DENTAL | 774 | $277K |
| Vision | VISION SERVICE PLAN | 437 | $49K |
| Life insurance(3 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 560 | $276K |
| Short-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 560 | $271K |
| Long-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 560 | $231K |
| Prescription drug | RXBENEFITS INC | 243 | $921K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 406 | $666K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 774 | — |
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.