| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3331 W BIG BEAVER RD., SUITE 200 TROY, MI 48084 | BCS INSURANCE COMPANY | $32K | $45K | $77K | 8.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $93K | $27K | $120K | 15.91% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $15K | $23K | 5.39% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| RICHMOND AGENCY INC3 | 833 LAURENCE AVENUE JACKSON, MI 49202 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 5.62% |
| RICHMOND AGENCY INC3 | PO BOX 907 JACKSON, MI 49204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $81 | $0 | $81 | 4.54% |
| BENEFIT COMMUNICATIONS INC3 | 1 BURTON HILLS BLVD NASHVILLE, TN 37215 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $72 | $0 | $72 | 5.31% |
| RICHMOND AGENCY INC4 | 833 LAURENCE AVENUE JACKSON, MI 49202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $19 | $0 | $19 | 1.40% |
| MORRIS, CHRISTOPHER, ROBERT3 | 2977 SIDCO DR NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3 | $0 | $3 | 0.22% |
| RICHMOND AGENCY INC3 | PO BOX 907 JACKSON, MI 49204 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $35 | $0 | $35 | 9.89% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $0 | $0 | — |
No Schedule C service providers reported on this filing.
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 | 1,913 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,913 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,699 | $754K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,591 | $0 |
| Long-term disability(4 contracts, 3 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,591 | $447K |
| Stop-loss / reinsurancereinsurance | BCS INSURANCE COMPANY | 1,334 | $907K |
| Other(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,913 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,913 | — |
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.