| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3331 W. BIG BEAVER RD. TROY, MI 48084 | SECURIAN LIFE INSURANCE COMPANY | $128K | $23K | $151K | 14.82% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3331 W. BIG BEAVER RD. TROY, MI 48084 | SUN LIFE ASSURANCE COMPANY OF CANADA | $36K | — | $36K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3331 W. BIG BEAVER RD. TROY, MI 48084 | CIGNA GROUP INSURANCE | $13K | $24K | $36K | 5.54% |
| RICHMOND AGENCY INC3 | PO BOX 907 JACKSON, MI 49204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $13K | — | $13K | 13.57% |
| HODGES-MACE BENEFITS GRP INC3 | 5775-D GLENRIDGE DR ATLANTA, GA 30328 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $10K | $102 | $10K | 11.05% |
| RICHMOND AGENCY INC3 Filed as: THE RICHMOND AGENCY, INC. | 833 LAURENCE AVENUE JACKSON, MI 49202 | HYATT LEGAL PLANS, INC. | $5K | — | $5K | 9.97% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $92 | — | $92 | 5.37% |
| RICHMOND AGENCY INC3 | PO BOX 907 JACKSON, MI 49204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $26 | — | $26 | 1.52% |
| MORRIS, CHRISTOPHER, ROBERT3 Filed as: MORRIS, CHRISTOPHER ROBERT | 2977 SIDCO DR NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5 | — | $5 | 0.29% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3331 W. BIG BEAVER RD. TROY, MI 48084 | CIGNA GROUP INSURANCE | $43 | $20 | $63 | 14.75% |
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 | 2,533 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,533 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | SECURIAN LIFE INSURANCE COMPANY | 3,894 | $1.0M |
| Short-term disability(2 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 2,533 | $94K |
| Long-term disability | CIGNA GROUP INSURANCE | 2,512 | $656K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,127 | $727K |
| Other(2 contracts, 2 carriers) | HYATT LEGAL PLANS, INC. | 245 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,894 | — |
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.