| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC Filed as: MARSH & MCLENNAN AGENCY, LLC | 3331 W. BIG BEAVER RD. TROY, MI 48084 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $182K | — | $182K | 11.86% |
| HARVARD PRINTING GROUP | 175 US HIGHWAY 46 WEST FAIRFIELD, NJ 07004 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 0.20% |
| RICHMOND AGENCY INC3 Filed as: THE RICHMOND AGENCY, INC. | 833 LAURENCE AVENUE JACKSON, MI 49202 | HYATT LEGAL PLANS, INC. | $5K | — | $5K | 8.85% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS INC. | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $152 | — | $152 | 11.05% |
| RICHMOND AGENCY INC3 Filed as: RICHMOND AGENCY | PO BOX 907 JACKSON, MI 49204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $43 | — | $43 | 3.13% |
| CHRISTOPHER THOMAS SMITH3 Filed as: CHRISTOPHER MORRIS | 2126 21ST AVE. S. NASHVILLE, TN 37212 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8 | — | $8 | 0.58% |
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 | 2,749 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,749 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,749 | $1.5M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,749 | $1.5M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,749 | $1.5M |
| Other(2 contracts, 2 carriers) | HYATT LEGAL PLANS, INC. | 256 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,749 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.