| 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 | SECURIAN LIFE INSURANCE COMPANY | $128K | $23K | $151K | 14.82% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3331 W. BIG BEAVER RD., SUITE 200 TROY, MI 48084 | RELIASTAR LIFE INSURANCE COMPANY | $59K | $0 | $59K | 8.04% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3331 W. BIG BEAVER RD., SUITE 200 TROY, MI 48084 | CIGNA GROUP INSURANCE | $12K | $0 | $12K | 1.90% |
| RICHMOND AGENCY INC3 | 833 LAURENCE AVENUE JACKSON, MI 49202 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $7K | $0 | $7K | 15.20% |
| RICHMOND AGENCY INC3 Filed as: THE RICHMOND AGENCY, INC. | 833 LAURENCE AVENUE JACKSON, MI 49202 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO | $5K | $0 | $5K | 10.84% |
| RICHMOND AGENCY INC3 | PO BOX 907 JACKSON, MI 49204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $356 | $0 | $356 | 8.46% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $92 | $0 | $92 | 5.37% |
| RICHMOND AGENCY INC3 | PO BOX 907 JACKSON, MI 49204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $26 | $0 | $26 | 1.52% |
| CHRISTOPHER THOMAS SMITH3 Filed as: CHRISTOPHER ROBERT MORRIS | 2977 SIDCO DR NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5 | $0 | $5 | 0.29% |
| RICHMOND AGENCY INC3 | PO BOX 907 JACKSON, MI 49204 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $90 | $0 | $90 | 7.80% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3331 W. BIG BEAVER RD., SUITE 200 TROY, MI 48084 | CIGNA GROUP INSURANCE | $107 | $0 | $107 | 10.04% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3331 W. BIG BEAVER RD., SUITE 200 TROY, MI 48084 | LIFE INSURANCE COMPANY OF AMERICA | $0 | $6K | $6K | — |
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 | 3,712 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 3,712 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | SECURIAN LIFE INSURANCE COMPANY | 3,712 | $1.0M |
| Short-term disability(2 contracts, 2 carriers) | CIGNA GROUP INSURANCE | 2,470 | $1K |
| Long-term disability(4 contracts, 3 carriers) | CIGNA GROUP INSURANCE | 2,466 | $664K |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 2,027 | $734K |
| Other(2 contracts, 2 carriers) | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO | 244 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,712 | — |
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.